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You log into your bank website connected to an open WiFi hotspot ? I never would do that.Many people do that, and it's quite safe to do so with a modern browser. Were it not, it would not be safe to do so in any context, because man-in-the-middle attacks are possible on any connection, just extra easy on wifi.
> I think there is a point where you have to apply common sense.
As you are demonstrating quite well here, "common" sense is not good sense. It is stopping you from doing things which are safe, and making you advocate for things which are unsafe.
> I access my through HTTPS explicitly typing the URL.
You would be typing the URL into the equivalent of a remote desktop session. That is what you're not understanding.
> My bank ask confirmation out of band for every dangerous action (by SMS).
1) Most banks do not do that.
2) SMS is not a secure channel.
3) Banks are not the only target (again, google/gmail accounts are another good example).
4) Even if they could not transfer funds, they would now have a great deal of information about your finances right on their screen.
> In Europe, banks have to cover frauds
They mostly do in the US, too. This makes consumers less likely to care about security.
> I am against HTTPS everywhere as the only security measure.
No one has advocated that. If you think they have, you have become very confused.