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Some of that stuff, like what if I don't have a phone accessible, I've argued with some financial companies. One game me a special "work around" that I had to agree to (i.e., take on some risk). The other, fortunately, manages to recognize my primary machines and only calls now and then.
But a new degree of idiocy has appeared! I wanted to add a bank account (actually, change the account number since I changed them all some years ago when I lost a data-filled jump-drive). Well, the only way to authenticate oneself to them is by giving them your cell phone and them checking the identity of the account owner. My ing phone is on an account with my daughter/son-in-law as part of a group plan. So, it always fails. They don't seem to care. (I will vote with my money),
As implied in one of my tag-lines, the idiots just keep evolving.