> blanket restrictions on everyone's freedom
The scope is much smaller than that: restriction on what banking conveniences are provided.
> Most of us understand the desire to protect customers from fraud > At some point, the cost of preventing additional fraud, including the loss of individual choice and autonomy, exceeds the benefit > Could we aim for proportionate
I think you have answered your own question here; if a less than single percentage of retail customers use something that's not a general iOS or Android device, anything beyond that is not really worth it until regulation says otherwise.
> > blanket restrictions on everyone's freedom
> The scope is much smaller than that: restriction on what banking conveniences are provided.
The freedom to install whatever OS you like on your own phone?
> if a less than single percentage of __________ anything beyond that is not really worth it
My goodness one could fill in that blank in so many different ways, and all of the ones I can immediately think of would drag this thread straight into any number of dire arguments, so I'd better not.