I agree about the picture quality, it's just too convenient to have a good-enough camera in my pocket, and I'll suffer with proprietary drivers if that's what i

I agree about the picture quality, it's just too convenient to have a good-enough camera in my pocket, and I'll suffer with proprietary drivers if that's what it takes right now. I have to ask about banking and government apps, though. Here most (all?) banks still allow web access with 2FA through SMS or a physical key. Has that been phased out in Sweden? Our e-government services likewise have multiple authentication options, with a phone app, smartcard, USB key or other proprietary dongle serving as the second factor. I'm pretty sure this is implemented according to some EU standards, is this not the case elsewhere? I actually got a free USB and NFC FIDO 2-certified key as part of a promo, which I use for government services. I know it's not a panacea, but I trust it more than my smartphone.