> The banks - who are generally on the hook if something goes wrong, or at least have to pay a lot of lawyers to get off the hook - are not interested in moral arguments, they want a risk-reduced environment or no app for you - as is their right.
If they pay for the phone and ship it to you then I agree. Otherwise, they have an obligation to serve their community (part of their banking charter) and that may include meeting their customers where they are, rather than offering an app with unreasonable usage requirements.
No charter requires allowing access from any device. The charters don't even require banks to be open during hours most of their customers are off work.
If they pay for the phone and ship it to you then I agree. Otherwise, they have an obligation to serve their community (part of their banking charter) and that may include meeting their customers where they are, rather than offering an app with unreasonable usage requirements.