Can we just address the fact that the PSTN is a completely insecure, Wild West tier, broken mess? Number spoofing, delayed disconnect, SIM hijacking, wtf? The

Can we just address the fact that the PSTN is a completely insecure, Wild West tier, broken mess? Number spoofing, delayed disconnect, SIM hijacking, wtf? The fact that banks use that as a second authentication factor is beyond baffling, and all liability should land on them.