[pjmlp]

Plenty of people don't have smartphones, or don't understand how to use them beyond phone calls and SMS, even if they do.

Additionally there are plenty among them that are technology illiterate.

These approaches only push them further away from society where only people that understand computers thrive.

[moi2388]

Right. Well, I don’t trust any of those people to remember a password and keep it secure either..

[pjmlp]

Hence being punished for their lack of knowledge, paying administrative fees at the bank counter.