brie
Pedantic types always mention that secure is only relevant in the context of a particular threat model. The elderly can use hardware authentication like those RSA devices or ubikey. Unfortunately, this is expensive, and banks don’t believe there’s demand for that. Would you switch banks for this feature?
AGI or human level intelligence has a hardware problem. Fabs are not going to be autonomous within 20 years. Novel lithography and cleaning methods are difficult for large groups of humans. LLMs do not provide much assistance in semiconductor design. We are not even remotely close to manufacturing the infrastructure necessary to run human level intelligence software.
Yes, you can have multiple devices with the same seed for the pseudorandom number generator. You can turn any computer into a hardware authenticator. In practice, it depends on the bank or your employer. Google reduced phishing success rate to zero after switching to ubikey.
As for perception, you really nailed it. It’s more important than actual difficulty of gaining access to your accounts. Remember that most articles are written by low skill blue teamers who manipulate your perception into thinking it’s really easy while they don’t possess the skills to do it. Always call them out in a manner like “you claim it’s easy, have you done it?”. They will always say no.