[mormegil]

Completely agree, just one minor point:

> I think banking apps requiring SafetyNet passing is the dumbest thing on planet earth. You guys know I can just sign into the website with my mobile browser anyways, right?

No, you're not. For logging in, you need a mobile app used as an authentication token. Do not pass go, do not collect $200... (The current state of affairs in Czechia, at least; you still _do_ have the option of not using the app _for now_ in most banks, using password + SMS OTP, but you need to pay for each SMS and there is significant pressure to migrate you from it. The option is probably going to be removed completely in future.)

[jchw]

Right now I don't think there's anything like this in the United States, at the very least. That said, virtually every bank here only seems to support SMS 2FA, which is also very frustrating.

[chickenfeed]

It's actually a real drag. I live in a rural area and the mobile signal is up and down. Sometimes I don't get SMSs for hours to a day late.