[lmm]

> I still don't know why apps think a device I carry in the streets is safer than one I leave at home to do important transactions like moving money, for example. Where I live, there are a lot of cases of people being kidnapped and coerced to make payments (which are instant), yet no Banking app allows you to do anything without a phone.

Muggings and kidnappings, as bad as they are, can't really be done at scale.

That device a) has some kind of secure enclave, hopefully, and more importantly b) restricts your ability to run arbitrary code off the internet to the point that everyday users probably can't do it. I don't like it, but they do it because it's effective.