Accounts need a switch to set them to NOT be accessed by computer ....
Message:
... where a consumer can opt out and then they have to live like the world of 1999.
Send checks only through Federally protected US mail. Face to Face at the bank to withdraw money. No digital subscriptions. No digital autopay. No bank pay.
If one wants to take the risk of using the digital tools, then okay.
But, for people that know the risk and get no benefit, live like we used to.
(4 checks a month. Maybe one trip to the bank every two months .... about what I do now.)
Problem solved.
Scammers call and other than my "MindClock" application whatever that is, the can't harm me. Even I wanted to help them, none of it could be accessed.
Big Tech / Big Banking wouldn't like it but they were the ones that created the swiss cheese applications.
I've found arming one's alarm clock with an AK is not prudent planning.
Yours,
IronConrad
24-Nov-2025