Insomuch as this is a problem, I also don’t think it will change materially any time soon. A robust financial system has to be reasonably accessible to such a

Insomuch as this is a problem, I also don’t think it will change materially any time soon. A robust financial system has to be reasonably accessible to such a wide range of people and institutions with varying capabilities that even building something that caters exclusively to the technically inclined is all but impossible. I wrote on here before about how Vanguard used to offer a FIDO2-only MFA option. You could disable SMS MFA. That eventually got removed because the mobile app never supported it, so now they’ve enforced SMS as a mandatory MFA factor. And FIDO2 has been fairly easy to implement on mobile for years before Passkeys specifically were pushed.