[rollcat]

I won't leave my home to type a 20-digit IBAN into an ATM.

I won't travel to another city or country just to hand money in cash.

I won't travel to a branch to... I have never ever written or received a cheque, what the heck even is a cheque? A piece of paper someone can photo-copy?

I used to be able to do all of my banking from a web browser, from any browser/OS I liked. I've had a fob that displayed a 6-digit code rotating every 30s. This used to be simple and secure. What you propose is ludditism.

[BlueTemplar]

Luddism -- in this case going without a smartphone altogether -- is quickly becoming the most reasonable option.

You are also quite quick to dismiss cheques as someone that never even tried them...

[rollcat]

You don't solve "abusive technology" by getting rid of the technology, you solve it by addressing the abuse.

[BlueTemplar]

Why not ? Worked out fine for asbestos. Technics aren't neutral.

[rollcat]

Asbestos wasn't understood well at first, and its continued use was due to its utility. Practically all countries around the world have successfully regulated/banned it. Removing asbestos is when it becomes most dangerous.

Online banking is dead simple to secure: require a TOTP token. It's something you have (like a debit card) + something you know (PIN/password). The poison being introduced is through a third party, and entirely unrelated to the original function.