[mdp2021]

> if banks can turn this feature off

You have to demand it. (Some of them will propose their solution.)

> if it just culturally never gained traction.

Very few people have read the PSD2 directive. (This friend of mine met a bank consultant who mixed it with a gaming console.)

[BlueTemplar]

Yeah, lol, I remember when SEPA pull first came around about half a decade ago, and how many months later, I had to explain to my own bank how they were supposed to give me whitelist and/or blacklist options for the pullers. They claimed never have heard about it, while that directive was only a couple of pages long and readable by someone that didn't knew about any technical banking details !