But we didn't ask the bank for any of this. They can just check my fingerprint each time I go to an ATM and provide no card, and I'll survive. They built these systems, we can't do without them anymore, and on top of it I have to secure their identity checks?

Someone stole 2k$ from me by using my CC number recently. Well, awesome, why wasn't there even an OTP ? When I want to buy a 10$ crap on Amazon they send me 3 SMS... They leave these things a bit open to reduce friction, they have to pay for it. My bank paid me back the same day, and that was the least they could do.