@matt_panaro @Edent To me, the crucial question is what ability do I have to chart my own course in this situation. The bank owners choose to bound how I access their services (and my money!). Do I choose to stay in business with this bank? Do other banks put the same limits on what I do with my phone? Of course, the technical questions are interesting. But.. What we make of our lives is determined by how we choose to live.