I am basically forced by my bank to own a mobile phone, and to me it's completely useless. I would gladly avoid to carry it with me in my travels. It lies somewhere at home: I don't go out with my phone, as I don't need to use internet banking that often, but it's annoying enough. But when I forget it to carry it with me when i travel, I am kinda screwed. And it's not like SMS verification improved the safety of anything...

Also: getting those stupid SMS codes when you are in another continent, it's basically impossible. So what's the point of all of this?