

Actually, what is hard about changing banks? I give my bank info to as few entities as possible. And almost all of them would take a few clicks and possibly a few days to verify some tiny transaction and I would be done. Changing credit cards is far harder. But also. Why are you using the banks app on your phone. That phone is probably the least secure electronic you own. The attack surface on that thing is absolutely huge.
We are all unique, just like everyone else.
But it was a serious question actually. Probably doesn’t read that way though. I’m on the older side, so I might not know about what the kids are doing with thier bank accounts these days.