[TeMPOraL]

What you say, plus the newer security schemes all have convenient side effects that end up fucking consumers over.

Consider, for example, banking apps: because 2FA via app being near-universal these days, even the web page doesn't let you use your bank account without installing the bank's app. And banks are, after MAFIAA, the biggest proponents of remote hardware attestation schemes. Thanks to that, we're reaching the point that phones that aren't locked down by Apple or Google are going to become useless. Mod/rooting scene already all but evaporated because of it - rooting your phone means fighting half the apps, including your bank, making the whole exercise not worth it.