The problem I think is with the bank. They don't give you a way to authorize a single payment or authenticate yourself without just giving away total access to

The problem I think is with the bank. They don't give you a way to authorize a single payment or authenticate yourself without just giving away total access to your funds. It should be like cryptocurrency where there is a separation of the public and private key. Or even better, something like chaumian e-cash. I feel like that would pretty much shut down the majority of financial crime.