> E.g. I wish banks and credit cards had a pseudo SSH terminal that I could run text commands to list transactions. Really, it'd be nice if they offered any up

> E.g. I wish banks and credit cards had a pseudo SSH terminal that I could run text commands to list transactions. Really, it'd be nice if they offered any upgrade from the 80s beyond a smartphone app. How does the rest of the world have better peer-to-peer payments than we do? How can I still not fully deny all transactions to a bank account? Why can't this banking app ask my permission before letting charges go through? Why is over-drafting a debit card possible at all? Why can I not ensure that a PIN is necessary to use my debit card in all situations and not just at a physical point-of-sale or ATM? Why do they all use SMS for 2FA—which has already bitten my twice? I hate that Venmo and cashapp basically leech off the incompetence of our banking industry. Banking is a joke of an industry in dire need of regulation.