I’ve never encountered what you’re describing. There’s always other ways to authenticate than through a mobile app, at least from my experience, and I think I’ve used about a dozen different banks/credit unions over the past 15 or so years. Last credit union I cut ties with had ZERO MFA for their web portal, except on account creation. Like, no SMS, no email, nothing - just user+pass, and making sure you have the right background picture of the login screen you picked on account generation (like, a duck or a football or whatever). Completely ridiculous in 2025 (when I cancelled my account).

Regarding the OP, I think any new competition in this space right now is good, even if it ends up just being a triopoly vs a duopoly (fat chance with this thing but we can hope).

Ideally though we need an open protocol/standard that can be implemented through any manner of device software.

Dawg put down the crack pipe you’re the only one who is asserting this.

Definitely NOT true in US, or UK. Didn’t work IT when I was in Japan so can’t say for that one, but likely not true there either.

Hey fuck you buddy

TNG is a show about a utopian human society, where the individuals and society are moral and upstanding. It’s a reflection of the best parts of our idealized selves. The characters are friendly, forgiving, and well trained. There is no substance abuse, and resources are unlimited.

BSG is about how our hubris led to the downfall of civilization and how we’re wasting away, hopelessly trying to avoid extinction in the face of resource starvation, and constantly being on the brink of annihilation. The characters are the best of what’s left, whatever that means, and it’s only through cleverness and luck that they can persevere.

I honestly think BSG characters show competence better than TNG, because in BSG the deck is stacked AGAINST the characters, but they still pull through due to incredible talent. In TNG it’s deus ex machina almost every episode as they “recalibrate the diteron maximizers and send more foonbahs to the replicar inverters”

I love both, but IMO BSG is a much better reflection of actual competence and realistic human personalities, complete with skeletons in closet, bad attitudes, drunkenness, arrogance, etc.

I agree that it’s more efficient to reduce the amount of new waste from entering waterways than to remove what’s already there, but at this point we need to do both.

Getting it out of the oceans is just more expensive, ton for ton.

Until ads are responsible and don’t carry risks of injecting malware and trackers, I will block them without prejudice.

Even back in the day they would try to hijack your browser, redirect you to some random page, destroy ability of your back button to take you out, and throw up a ton of popups.

I don’t think blocking them is an asshole move until ads are served responsibly, without threatening my security or privacy. When, and if, that day ever arrives I will stop blocking them because I understand that most sites subsist solely off ad revenue, at least in this current Internet model we live with.

Honestly? Without evidence, they’re both equally probable. And believing, or refusing to believe in a god or something, are both faith of equal measure.

It’s just whether someone thinks their version is faith is more realistic than the opposite.

Beans, mf

Fucking BEANS is the answer

And onion, garlic, tomato, Bell pepper

But LOTS OF BEANS is the most correct answer

Put a battery operated water alarm in the pan your hot water sits in and change the batteries when you change out your smoke alarm batteries (whenever there is a clock change). TRUST ME DO THIS

… Wut?

Not who you’re replying to, but I carry a good flashlight for use when it’s light, not when it’s dark.

Dropping something small on the carpet or a floor in a lit room can still be super hard to find, but take a bright beam and shine it sideways and you’ll catch the shadow immediately (just an example)

It’s crazy how much I use it. Super underrated tool.