Banks have an obligation to ensure that people can access and use their funds. This isn’t email, being unable to spend your own money has very serious consequen

Banks have an obligation to ensure that people can access and use their funds. This isn’t email, being unable to spend your own money has very serious consequences for people. It’s their duty to provide security measures that both ensure transactions are authorised correctly, and allow people reasonable access to their money. If you’re house bound, entirely dependent on a trusted third party help for your day-to-day living, and your bank only provides a debit card and PIN facility to authorise your transactions, then what choice do you have but to share those credentials with a trusted third party so they can buy food for you? The bank chooses the authentication mechanism, their customers don’t get a choice. If that mechanism doesn’t work as intended when faced with common and entirely reasonable living situations, that’s the banks failure, not the customers failure.