I deal with a few people who clearly receive regular Interac payments, but still haven't figured out how to associate their email with their bank account. Thus requiring the question.

ps. Don't get me started about figuring out how to send automated payments and if you're lucky enough to find a bank that has a broken API to this.

I use interac because I don't have a choice. I don't understand the whole security question plus having to create a user account. Just send the money. If you made a mistake, your fault.