[coffee33go]

Then change the bank you deal with. At least in EU, this 2FA was due to PSD.

Please also note that any changes will impact some people. How often do you lose your smartphone? If every month then it is sad. You need to find a bank that still uses cheques etc.

No point in whinging. If something works for 90 % people then get used to it.

For example, I did not like joining facebook for my children's school nor whatsapp groups but did it as most of them did it.

[Dr_ReD]

Yeah, and it's this kind of sheepish behaviour, all the "for me it works", and the blame-the-user attitude, that lets things like this go down hill all the time.

[activitat]

Any system will affect some one. Do you my grandpa liked remembering passwords or compute or even pin? One could even lose passport or money. Dont you have backup? Like keeping some cash in backpack and some inside underpants. Get another phone.

I don't even like using word documents but every govt document like tax in my country is Microsoft based.

If developers reading hn do not care why would others care.

BTW, if so many people lose smartphones then banks would be flooded by support calls and they would own up other non-smartphone 2Fa.

[pipeline_peak]

Part of the point he's trying to make is that eventually there probably won't be a bank that isn't like this.

[activitat]

Did not world survive the ATM, pin, card revolution? Yes. Did 100% population like them. No. Did people lose cards ? Yes.

Yet we are here.

[pipeline_peak]

A phone is a lot more than an ATM or a plastic card. Some people don't want an expensive device that tracks you, potentially sucks you into distractions, and just flat out has a lot of undesired complexity. You shouldn't need one to do basic finances.

Also ATM's and credit cards didn't replace traditional methods, they're modern alternatives.

[Dr_ReD]

Furthermore a phone is the single one thing whose loss will cut you out of tens of services —at best—.

Cards are one-per-service. So if lose one, you lose access to one service.

Cards, you don't take 'em out of your wallet unless you have to use 'em.

Your wallet too, you don't leave it out on the table all the time while eating.

You don't take it out willy nilly to take selfies and panoramas, or to check the stupid notifications that you get every 3 seconds.

And when you do, it's only because you have to do wallet-y things, which you do —carefully—, perhaps even looking out for possible pickpockets and thieves.

All of the above don't need to be charged twice a day... in fact, not at all... and will still work as new, after a trip into the toilet, a drop from any height, a full blown stampede, or even a few cycles in the washing machine.

Your phone? Not so much.

And those slabs of glass and metal are often eye watering expensive. Enough to be more interesting to a thief, than even your wallet... All this, while we're continuously waving them around, in front of everybody...

So, do you really need to know how may times people "lose" their phones nowadays?