[lylcnn]

Please use your brain..
The remote scammer cannot get hold of your token to use it....

You just compare the number of scams now vs when we had hardware tokens, the number is just staggering.

The bank can limit transfer amount and allow increase to be done only at ATM. Each transfer can require hardware token to approve....etc

Many things they can do is not done!!!

Yeah, you can don't drive and you can reduce the chance of dying in car crash