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Make it an optional smartphone app, like Google's two-factor auth. Maybe let people buy a token like Mt.Gox does (they are hardly huge, and they could afford it...name.com and World of Warcraft too.)

You know what was expensive? The bank bailout. I want my $8,333 that I'm paying to keep banks open back.



I have no idea what you think bank bailouts have to do with online account security.

The question was asked, why don't more banks use tokens? I provided an answer. That's all.




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