even if you use a computer to do banking, like i do, some banks still require an app for 2FA, or windows...

ATMs won't let me send money or do any other kind of maintenance

I think this depends on the ATM. OCBC ones do allow sending money digitally.

Oh, and you can always send money by withdrawing cash and giving it to the other person physically.

Or go to the bank branch, or write a cheque.

I won't leave my home to type a 20-digit IBAN into an ATM.

I won't travel to another city or country just to hand money in cash.

I won't travel to a branch to... I have never ever written or received a cheque, what the heck even is a cheque? A piece of paper someone can photo-copy?

I used to be able to do all of my banking from a web browser, from any browser/OS I liked. I've had a fob that displayed a 6-digit code rotating every 30s. This used to be simple and secure. What you propose is ludditism.

Luddism -- in this case going without a smartphone altogether -- is quickly becoming the most reasonable option.

You are also quite quick to dismiss cheques as someone that never even tried them...

You don't solve "abusive technology" by getting rid of the technology, you solve it by addressing the abuse.

Why not ? Worked out fine for asbestos. Technics aren't neutral.

Asbestos wasn't understood well at first, and its continued use was due to its utility. Practically all countries around the world have successfully regulated/banned it. Removing asbestos is when it becomes most dangerous.

Online banking is dead simple to secure: require a TOTP token. It's something you have (like a debit card) + something you know (PIN/password). The poison being introduced is through a third party, and entirely unrelated to the original function.

> some banks still require an app for 2FA, or windows...

Are these limited to only "approved" apps? Usually you can add an auth to an app via a qr code or string. Why can't people use whatever auth app they want, or even just roll their own?

it's something nonstandard, so there are no approved apps, but it is only the app provided by the bank and nothing else. there used to be two, one for auth only and one for onlinebanking itself, which was optional because you could use auth to log into the web. as i understand it they merged the two apps and now only support the all-in-one app. apparently the banking features of the app can be turned off, but i could not see if that can be locked too.