All European / UK banks I've tried are just as bad as azure as of lately. Thanks SCA, I guess. What's the purpose of authenticating me 8 times in the span on 1

All European / UK banks I've tried are just as bad as azure as of lately. Thanks SCA, I guess. What's the purpose of authenticating me 8 times in the span on 10m. Open banking api that allow you to add accounts from other banks were promising but they turned out to be half baked versions, so in practice I still have n bank apps ok my phone. Not to mention I could not do online banking without my phone. I've been seriously considering automating all of that and just have an application with a master password which access encrypted multiple banks secrets and authenticate / perform local mfa as required and let me have the banking experience (for a single bank) of, say, 10 years ago. All of this for what? If someone hacks my account and steal my money I hope the bank mafia would be able to sort out things with the target bank and hallucinate a balance without the theft (especially because they flag tons of payments as fraudulent, requiring me to call them).