Trying to shift security to end user wouldn't improve security. Most people value convenience over security. Then the bank is not doing a good job. Its the ban

Trying to shift security to end user wouldn't improve security. Most people value convenience over security. Then the bank is not doing a good job. Its the bank responsibility to secure my account. How they do it is up to them . I don't really care what method they use as long as from my perspective its frictionless and not annoying. If you make security tools that is hard to use, then you are not doing a good job, be prepare for push back and consequently less secure environment.