“None of those banks uses two-factor authentication for online access to accounts. Not one.”
Then you need to change banks big boy. You claim two-factor authentication is more secure than the default security Apple provides, then trust your bank accounts to the same insecure system Apple uses? I do not believe you.
I don’t believe you. . . I gave you a list, which includes two of the largest banks in the United States. They don’t even offer it as an option. Little boy.
My J.P. Morgan/Chase online (biggest bank in the U.S.?) account doesn’t use two-factor authentication. I know “LogMeIn” & “WoW” (World of Warcraft) do have 2-factor available.