> I'm all for email being more secure, to the point that organizations (banks, governments, insurance companies) stop creating walled-email alternatives
This will literally never happen. Email doesn't support the features that those messaging platforms need to have, such as recalling messages.
The security layers are also only on the sender part, not on the receiver part, which banks care a lot more about.
I know this is only tangentially related, but recalling messages is horrible. I hate that so many services will allow people to send me a message, give me a notification with a preview, but then the message gets edited or deleted. If you drop a letter in a physical mailbox, or slide a paper underneath the door, you cannot get it back either. This whole philosophy of 'we allow destruction of messages in a shared chat' needs to stop. The moment things are being sent, both sides are co-owner of that message. Not being able to recall messages is a good thing.
I'll settle for a brief edit (not retraction!) window after sending though, say 5 minutes tops.
Edit (I realize the irony): banks of course won't give a hoot about the receiver, the power dynamic is inherently not equal.
With banks, I've found that offering to bring the matter up with the FDIC and/or fed regulators moves the balance of power to a less unfair level. "We have to use secure messages" turned into a willingness to use email in less than 6 hours last time I had an issue.
> Email doesn't support the features that those messaging platforms need to have, such as recalling messages.
"Need".