I get what you mean but sometimes it's really difficult for a bank to tell if it's really you or someone pretending to be you. Funnily enough, if we all "walked in" physically to a bank, it would be much easier for them to tell :). But now, they have to rely on phone numbers and emails and SSNs to tell them if it's really you. They don't have much of a choice - would you have any suggestions on what they could use?

Going to a branch physically is impractical these days - how many of us have even been to a branch that houses our brokerage or 401k accounts for instance? And so many mainstream Fintech apps like Stripe and Robinhood don't even have branches.