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> Sure, one option means paying for each SMS (actually they had to abandon that one), another option is getting a paid banking card just to use a hardware device.

That sounds... fine? Like... there are actually alternatives. Sure, if their plan is to phase out those alternatives, then that's bad, but... the current situation seems fine?

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Reality is very different. If you have the courage, you can experiment living one year without bank card or wire payments, then your life is going to get very very difficult.

This problem is getting worse too, as more and more businesses become "cashless only".

Well, this is literally illegal in many jurisdictions.

And literally legal in many jurisdictions

This comment isn't about living without a bank card or wire payments, though? It's about living with a hardware TOTP device

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