It's sad but I have to agree. My local bank suddenly changed their Mastercard Securecode online verification scheme from a password to either SMS 2FA (for which

It's sad but I have to agree. My local bank suddenly changed their Mastercard Securecode online verification scheme from a password to either SMS 2FA (for which they charge 9 cents per SMS and don't even support all numbers) or some really shitty mobile app which has a rating of 1.7 on the play store with tons and tons of people complaining that it just doesn't work and now renders their CC totally useless. I'm sure they are losing customers left and right. Mobile phones (especially Android) are incredibly insecure. Why not use these little token generators like in the past? Another bank of mine can't issue proper bank reference letters anymore which are required in many cases to open other accounts or form a company. The same bank also stopped the Visa support of their debit cards so they are practically useless apart from using at the ATM. Another bank with a business account can't issue credit cards anymore. For many transfers they require tons of verification and paperwork, opening a new account gets harder and harder. I have to fill out a stupid W-8ben form even though I have nothing to do with the US. It goes on and on. It seems in the past 5 or so years banks in general have gone into a slow but steady self-destruct mode - especially with all that speculation in the debt casino. Banking is becoming a more and more frustrating experience even though it's so core to our society.