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> Sure, why not? It's not like it's a huge sacrifice on my part. It's just a little reduction in convenience. No big deal.

I can easily imagine a world where in ~20-30 years, there are no bank branches or phones or ATM machines or cash--because 99.99% of people have no interest in using those things anymore. In that world, suddenly it becomes an almost insurmountable inconvenience not to acquiesce to whatever is required to use online banking.

And when that day comes, then I'll figure out some other mitigation strategy.

> It's not like it's a huge sacrifice on my part. It's just a little reduction in convenience. No big deal.

Sure, I get that. I just feel like it's only a little inconvenience now, but in a few years it will be a big one, and so on. After all, the US is _already_ way behind the rest of the developed world in mobile payment/banking tech.

> The issue is if sites require me to use specific browsers, to not use specific extensions, to not be able to modify the browsers, or to adhere to specific requirements in terms of the OS I'm using.

Ah, I didn't think about that angle. That would be pretty draconian. I foresee a shift to dedicated embedded apps for that, like a restricted VM inside of a browser tab. We'll see!

What does your banking experience look like if losing online banking is a minor inconvenience to you?

For me it would be as if my bank ceased to exist.