At this point I'm convinced that there's something deeply wrong with how our society treats technology.

Ruining Android for everyone to try to maybe help some rather technologically-hopeless groups of people is the wrong solution. It's unsustainable in the long run. Also, the last thing this world needs right now is even more centralization of power. Especially around yet another US company.

People who are unwilling to figure out the risks just should not use smartphones and the internet. They should not use internet banking. They should probably not have a bank account at all and just stick to cash. And the society should be able to accommodate such people — which is not that hard, really. Just roll back some of the so-called innovations that happened over the last 15 years. Whether someone uses technology, and how much they do, should be a choice, not a burden.

Could the technophobes please just buy different smartphones? If certain people want to opt in to locked down devices, I think that's okay. But please give me a device that lets me do whatever I want. (And still lets me participate in modern society—I can't live with a Linux phone).

Apple's argument for locking down the iPhone but not the Mac has always been some variation of "Mac users are professionals and iPhones are for everyone." Fine! Where can I buy the unrestricted iPhone? As far as I'm concerned, basically every problem could be solved if Apple would put the Security Research Device on an unlisted page of their online store for the general public. Normies won't buy it, and I will.

People tend to distrust websites. URLs are also an immutable ledger that guarantees you’re in the right spot. The web is surprisingly robust for security.

What guarantees your banking app is the right one? A PNG and an app name with no security whatsoever.