Good points, however this one is wrong. > Banks typically use customer registration numbers as opposed to user-chosen usernames or email addresses so there goe

Good points, however this one is wrong. > Banks typically use customer registration numbers as opposed to user-chosen usernames or email addresses so there goes the value in credential stuffing lists. I've had accounts at most of the major US banks and I don't think I can think of a single one that did this. Almost every single bank allows the user to select a username or occasionally uses email for login. This is not a good argument for Chase, Citi, Amex, Discover, Capital One, Barclays, and a whole bunch more I can't think of off the top of my head.