That is a fair assessment in some cases, but I have also assisted tech-illiterate elderly folks with bank accounts in non-US banks. Keeping a printed list of c

That is a fair assessment in some cases, but I have also assisted tech-illiterate elderly folks with bank accounts in non-US banks. Keeping a printed list of codes (one time passwords) was in-scope for accessing the bank online, as well as other silly tricks as an on-screen keypad with rearranged numbers. I think there is too much emphasis on catering to the lowest denominator to the point of sacrificing privacy and autonomy , rather than raising awareness and education.