What bank doesn’t allow you to access them from a website? If your bank doesn’t allow access from a website on your computer then you made a choice to use a hostile bank.
Most of the ones in the UK, if you access them via the website, require a security code from their app. They often have a backup via the terribly-insecure method of phoning or texting you a code.
You keep calling this 'hostile' and we should choose something else, but the whole reason we're complaining is because the choices are going away! Should we wait until we have literally zero choice (as opposed to limited choices with bad tradeoffs) before complaining?
Your problem is with the banks - you should be getting laws passed or direct your energy there. None of the major banks in US are app only and they all have fully functioning websites.
