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You go first.

Direct specific evidence to back up the criticism that these guys are not looking at data and just making up dumb rules to reduce their customer base.

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You are making an authority argument. I and most others are not buying the validity of that authority having been subjected to insane (in)security (non)standards by banks elsewhere and one other sibling commentor even mentioning their work experience for banks as evidence.

It is on you to back up your claim.

In my career travels I am yet to find any professional group crow as confidently from on top of a hollow position as software developers. I think it has to do with daily operating from inside a deterministic environment, it gets projected out into human situations.

I take you resorting to name calling as not having any actual argument. It is always the same with this. When you ask for how this supposedly helps and what specific threats it protects against you just get vague references, gesturing in the direction of supposed authorities and the more you ask for an actual threat model the less precise and the more avoidant it gets.

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