[decryption]

Agreed - this is a good solution for people that don't want or need any of that stuff. You'd be surprised how many people out there don't do any form of internet banking at all and simply manage their money in the bank branch or over the telephone directly to the bank. For the elderly, it's a great idea to remove their internet banking (or not give them access to it in the first place) and protect them from scammers.