Not all banks have physical locations, not everyone has the ability to get to the ones which do.
You can't walk back from the existing expectation and ease of use we have today. It's just not going to happen, people will opt for the current path because it's easy and seems good enough to them.
Most normal people don't even know this whole thing is going on. They don't know the difference between http and https other than "it's secure".
If we want to improve on this, it has to come with the current level of ease of use at a minimum.
You can't walk back from the existing expectation and ease of use we have today. It's just not going to happen, people will opt for the current path because it's easy and seems good enough to them.
Most normal people don't even know this whole thing is going on. They don't know the difference between http and https other than "it's secure".
If we want to improve on this, it has to come with the current level of ease of use at a minimum.