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been idly worrying recently about how access to online banking is all controlled by apps - and how you kind of have to carry your phone around. stories like the below, or muggers asking you to withdraw cash, make transfers or give over your PIN bbc.co.uk/news/uk-england-london-62809151
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comparing this against, like, security for logging into my account when i was at Niantic, where there was a separate physical fob i needed to use, that it was possible to leave at home. but banks don't allow that.
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(or there's the security hole of persuading a phone company to transfer a number over, which gets around any SMS-based 2FA)
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it turns out... sometimes friction... is good