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My 2FA is my face… So the people who are too lazy to check their app are okay with going to an ATM? If I start overspending, I get alerts both when my balance

My 2FA is my face… So the people who are too lazy to check their app are okay with going to an ATM? If I start overspending, I get alerts both when my balance gets low and when money is deducted from my savings account used as overdraft. I rarely get to that point and even when I do, I catch it before the offending transaction posts.

fragmede 2y ago
> My 2FA is my face… You have your threat model and I have mine. https://discussions.apple.com/thread/254303493?sortBy=rank https://discussions.apple.com/thread/254303493?sortBy=rank Not enabling biometrics in the banking app means adding FaceID isn't enough. ¯\_(ツ)_/¯ > So the people who are too lazy to check their app are okay with going to an ATM? If we're at the point we're calling people names I'm not sure further discussion will be productive. The ATM is on the way to the subway (which has poor reception), and we're talking about once a month here. It also uses a different part of my brain because I physically walk past to jog my brain (and walking does it in a way that driving past the freeway exit does not). Again, what's a number that's on a phone, even if it's being texted to you, going to do for physically altering the size and weight and feel of a debit/credit card? That's just another text that gets recieved and disappears from my brain until it's too late. I'm glad you've got a system that works for you, but the only thing that works about debit/credit card money is I end up spending more money than I would with cash. Changing habits to spend less money works by using cash works in a way that I couldn't get to work with a debit/credit card. (There are some places that don't take cash so I need to use debit/credit, but, for now at least, that's not the norm.)
- scarface_74 2y ago
  > You have your threat model and I have mine. Apple mitigated that issue last year. https://support.apple.com/en-us/120340 https://support.apple.com/en-us/120340 > The ATM is on the way to the subway (which has poor reception), and we're talking about once a month here. And my phone is always on my person. You don’t need “reception” to use your debit card. > Changing habits to spend less money works by using cash works in a way that I couldn't get to work with a debit/credit card And yet my 80 year old mom can as far as debit cards and my 82 year old dad just started using Apple Pay. He had a really old Android before that couldn’t use Google Pay
  - fragmede 2y ago
    > Apple mitigated that issue last year. That much is useful, thanks!

fragmede 2y ago

> My 2FA is my face… You have your threat model and I have mine. https://discussions.apple.com/thread/254303493?sortBy=rank https://discussions.apple.com/thread/254303493?sortBy=rank Not enabling biometrics in the banking app means adding FaceID isn't enough. ¯\_(ツ)_/¯ > So the people who are too lazy to check their app are okay with going to an ATM? If we're at the point we're calling people names I'm not sure further discussion will be productive. The ATM is on the way to the subway (which has poor reception), and we're talking about once a month here. It also uses a different part of my brain because I physically walk past to jog my brain (and walking does it in a way that driving past the freeway exit does not). Again, what's a number that's on a phone, even if it's being texted to you, going to do for physically altering the size and weight and feel of a debit/credit card? That's just another text that gets recieved and disappears from my brain until it's too late. I'm glad you've got a system that works for you, but the only thing that works about debit/credit card money is I end up spending more money than I would with cash. Changing habits to spend less money works by using cash works in a way that I couldn't get to work with a debit/credit card. (There are some places that don't take cash so I need to use debit/credit, but, for now at least, that's not the norm.)

scarface_74 2y ago
> You have your threat model and I have mine. Apple mitigated that issue last year. https://support.apple.com/en-us/120340 https://support.apple.com/en-us/120340 > The ATM is on the way to the subway (which has poor reception), and we're talking about once a month here. And my phone is always on my person. You don’t need “reception” to use your debit card. > Changing habits to spend less money works by using cash works in a way that I couldn't get to work with a debit/credit card And yet my 80 year old mom can as far as debit cards and my 82 year old dad just started using Apple Pay. He had a really old Android before that couldn’t use Google Pay
- fragmede 2y ago
  > Apple mitigated that issue last year. That much is useful, thanks!