this post was submitted on 17 Jun 2026
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Fuck. That. No website is worth that.
Ppl say this with such conviction but what about your bank website? What if it becomes industry standard and you have no other options? Just going to keep all your money in cash?
I have a hard time believing all banks, including local credit unions, will simultaneously adopt this tech. And if they all do, maybe will I have to consider cash after all. But in the meantime, I'll switch to a banking solution that doesn't.
Fair enough. But I wasn't picturing them simultaneously doing it.
Enshittification is a contagious disease that spreads slowly.
Right, so I'll bank with the ones that aren't doing this bullshit. If they want my money they won't do it, simple as.
I'll drive to the fucking bank if I need them.
French banks don't have that kind of external captcha. They are paranoid about it for good reasons. Also fuck Google, they are not worth it.
I changed banks when they asked for 2FA.
Why?
I refuse to have a phone line. I only get one for a month when I'm looking for a job. Got tired of paying a subscription fee just to get spam calls. All my communication is done through messaging apps and the only time I don't have access to wifi is when I'm driving.
And because SMS 2FA is actually opening a common attack vector. I have yet to find a credit union I qualify for that uses TOTP or Yibikey.
That still requires getting personal information about the user, which is often enough without 2FA. 2FA still makes it more secure than not having it. It's still a vulnerable step though, so users should be aware of that.
Start talking to someone at the credit Union. They are run by people, you might be able to convince them the risk and implement a safer method
Just a heads up, you can get a free phone number from Google, and probably other providers. If you've got a computer of some kind and an internet connection, you can make calls and texts from there. If that's all you're getting a phone for, don't bother with the actual device.
https://support.google.com/voice/answer/115061?hl=en&co=GENIE.Platform%3DDesktop
Prepaid debit cards exist. Load money at any convenience store. You can even get a routing number/account number for it so you can direct deposit to it. You call a number to check your balance or lock your card.
There's no such thing on the internet. Most lemmy instances with a captcha use hcaptcha or similar since its cheaper (free, in fact), as an example.
What about investments?
Loading prepaid debit cards at gas stations sounds like a rough life. I'd like to think that I'd have more conviction for privacy if it came to that, but everyone has their line I guess.
Doesn't affect 90+% of people, and the remaining population frankly doesn't deserve privacy since they don't have anything to complain about.
Genuinely not bad unless you're a complete shut-in. It's also how the bottom 20% of Americans deal with online bill pay and interact financially with the digital world.
If you're living under capitalism and not investing in any way, that's not really some noble act, it's you voluntarily staying broke and dependent on others in the future.
Should at least have some form of retirement fund going so you don't have to leech off the taxes paid by the young when you're old.
I'll let you know when I magically have spare money in the worst global economy since the great depression.
No one checks their 401k often. Most people don't consider that investment given its a scam they likely won't ever cash in.
Man you sound so brainwashed to me. Very American.
You have to be pragmatic in life and play the hand you are dealt. I'm a commi at heart but not playing the capitalist circus just makes you homeless, not smart.