For sufficient amounts or suspicious operations, banks should be in charge of authentification, ie showing up in-person for bank transfers such as a car, showin

For sufficient amounts or suspicious operations, banks should be in charge of authentification, ie showing up in-person for bank transfers such as a car, showing up and supplying fingerprints if the bank transfer buys a house... And in fact, for poor people, anything that might engage their entire savings might also benefit from a more advanced identity verification. For example my stock exchange account just takes a password. It’s a scandal.