Gizmodo gives some insight to a strange situation that many of us have -- at least in the U.S. -- when it comes to online security: Gmail, while free, offers two-factor authentication, while many banks don't use security tools that would make online financial transactions safer, contenting themselves with single-factor, weak password systems, or lackluster secondary screens. It's certainly true at one bank I use, which even now allows short, all-alphabetical, all lower-case passwords. U.S. banks could certainly use multi-factor authentication, and some do, but it's nothing like universal.
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