[chii]

> 2 factor authentication through a secure app

the problem is that the sort of emergency scenario in which family member would need the help is not often done or possible via a secured app. It's often just a telephone, with a number that you cannot recognize - imagine getting that phone call from a police station in the middle of nowhere when arrested, then you dont have access to any of your personal belongings as they're confiscated. The phone is a landline from the police station!

Therefore, a verbal password is needed, as this scenario is exactly how a scammer would present as the emergency that they need help (usually, wire some dollars to this account to bail out).