you’re asking the refugee who just immigrated, is learning the local language, and may not have had as much exposure to web banking systems and MFA and many aspects of cybersecurity to figure out how to set this up and manage it well without accidentally losing access.

you’re asking the old retiree who has no family left to help them and doesn’t understand technology very well but understands how to open the shortcut to the banks website and check their texts to suddenly understand a much more complex system than they’re used to.

you’re asking the young adult whose school didn’t teach them about technology and they were too poor to have much of their own to instantly learn about even more tools and apps on top of trying to adjust to using technology in general.

I’m not saying that improving security or moving towards a more secure baseline is bad, but for some critical public services security absolutely does not always trump accessibility. cybersecurity and technology education is more necessary at all levels and must equitably taught, but that will take time, resources, and effort. there are ways to improve security without compromising accessibility.