Personally - for banking - I'd be plenty happy dealing w/ 90% uptime if it gave me an order of magnitude more security against getting robbed. This tradeoff may not have been realistic a decade ago, but it seems to be where things are trending.
It also is de-facto the case today when logging in as per usual sometimes requires a captcha or additional verification.
It also is de-facto the case today when logging in as per usual sometimes requires a captcha or additional verification.