[gambiting]

At least here in the UK for years if you opened a bank account, even a free one, you'd get a debit card + a device for generating secure keys for online and telephone banking. Like a standalone, battery powered device the size of a calculator.

Like....why can't we just go back to that? Banks were "fine"(doesn't mean happy) to shoulder the cost of these devices then.

[unparagoned]

You can still use them. It’s just mobile apps are better in almost every way. Maybe you should uninstall your mobile app and go back to using a device.