Seems like banks really should have some kind of extra security mode that requires app verification for anything not whitelisted. Especially when a lot of scam

Seems like banks really should have some kind of extra security mode that requires app verification for anything not whitelisted. Especially when a lot of scams go through crypto. I should be able to say "I do not ever buy any cryptocurrency, nor do I do any hand picked random investments, don't let me do anything but pay for stuff at retail stores or online sites in the top 100 largest without app verification".