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Comment by mastermage | Hacker News Reader

Sorry but thats a statement thats just willfully ignorant. Yes people need to have access to their financials when under way. That can range for PushTans, CreditCard Confirmations, to checking their budgets, moving something from one account to another, topping up your Prepaid Card. Or just being able to Pay with a Card on your Phone when you forgot your Wallet.

Sure you could say I do not go out and do not need that but realistically this is just how the world works now.

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I very purposefully added both the "and maybe you legit do" and the fact that I'm a bad case study.

Sorry if i may have formulated this a bit harshly. I may have replied to your comment becaause it was far up and its a common argument. Often made in bad faith.

How about using cash for all of this? This has the added benefit of not enabling tracking by financial institutions in addition to tracking by Google, the phone OEM, and possibly other third parties.

But you can do all those things via a browser.

You can pay with a card on your phone? I mean, sure, if you are buying something online. Not with contactless I think

You can do all things with a browser and a card, yes.

I'm assuming that most people will carry the card with them anyway.

Sure, if you are ok walking around with a card. I've been "walletless" for the past 6 years or so, and I don't want to go back.

Leaving and coming back home and only have to mentally track one object that I can't forget is great. If it breaks, I'll temporarily use cards or physical money until I get a new phone and install everything again.

"Use a card" is not really a good alternative for those that prefer not to use them. Sure it works for you, but not everyone has your preferences of walking around with a wallet.

That's demonstrably false.

You don't get TANs in the browser, can't tap "approve" on the application-only notification, can't pay with the banking app (for those banks which offer it) without the banking app.

...and willfully ignorant given that some banks are mobile (app) only.

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