I'm glad what that worked for you, but here you would be told to get back with a proper ID. Nobody at the bank would risk their job even for $150.
> There are ways to get your government ID when it’s lost
Yes, sure, just like hundreds of years before? The question here is what without an ID you can't get the same phone number => you can't request password recovery for bazillions of services which treats SMS as 2FA for the password recovery. Banking apps are one of those.
I would repeat again, but try to 'lose' your wallet and the phone, preferably in some place 500+km from your home. Your opinion on some account/password policies would change.
> The question here is what without an ID you can't get the same phone number.
I’ve never shown my ID to get a phone for T-mobile or walked into the store. I even switched my service with the same number from AT&T to Verizon back in 2011 without going into the store. I entered some verification information and Verizon sent me an iPhone 4S. I logged into my iPhone 4S with my Apple ID and everything downloaded from iCloud - data, apps, and the screen layout. My Verizon phone became active and my AT&T phone deactivated with the same number.
> you can't request password recovery for bazillions of services which treats SMS as 2FA for the password recovery. Banking apps are one of those.
I can log into any Apple device with my Apple ID and receive SMS messages - not just iMessages. Currently, if I get an SMS message, it goes to my phone, my cellular Apple Watch, my iPad and my Mac.
My wife and I would have to lose six cellular equipped devices between us and both of our wallets not to have any access to anything.
> I would repeat again, but try to 'lose' your wallet and the phone, preferably in some place 500+km from your home. Your opinion on some account/password policies would change.
Well, seeing that my “home” right now is whatever city I happen to be in with my wife this week (doing the whole digital nomad thing across the US), I’ve thought a lot about that.
If I lost my phone. Hopefully I wasn’t mugged and I still have my Watch where I can make calls (at least in the US) from the same number and receive texts. My iPad also has a cellular connection that receives SMS messages from the same number. While it doesn’t have a dialer for regular calls, you can call a number from your contacts.
I'm glad what that worked for you, but here you would be told to get back with a proper ID. Nobody at the bank would risk their job even for $150.
> There are ways to get your government ID when it’s lost
Yes, sure, just like hundreds of years before? The question here is what without an ID you can't get the same phone number => you can't request password recovery for bazillions of services which treats SMS as 2FA for the password recovery. Banking apps are one of those.
I would repeat again, but try to 'lose' your wallet and the phone, preferably in some place 500+km from your home. Your opinion on some account/password policies would change.