I'm not sure how it was before 10 years ago, but in the past ~5 years my banking app has become far worse and less secure objectively. Specifically, since they

I'm not sure how it was before 10 years ago, but in the past ~5 years my banking app has become far worse and less secure objectively. Specifically, since they moved from a hardware auth token to a digital token on a mobile app. Consumers lost Millions of dollars past year alone. The situation was so bad that this year govt passed a new law holding banks partially responsible for such scams. The attackers succeeded in emptying entire bank accounts despite multi-factor authentication (all of which depended on the mobile phone), transfer limits, etc,. "Technologists", of course, blamed the consumers for downloading untrusted apps. They also went as far as to say that Android is less secure than iOS because it's open source.