Along the same lines, am I the only one who thinks it's weird that when logging in on a desktop PC the average bank requires a: - username - password - one t

Along the same lines, am I the only one who thinks it's weird that when logging in on a desktop PC the average bank requires a: - username - password - one time generated 16 digit number - SMS confirmation - email confirmation - phone call with an associate - retinal scan - DNA sample Whereas to log in on mobile all you potentially need is a 4 digit pin which a passerby could easily observe, then yank the phone from your hand?