Banks are in a tough spot. Remember, banks have you as a customer, they also have a 100 year old person who still wants to come to the branch in person as a customer. Not everyone can grapple with the idea of a Yubikey, or why their bank shouldn't be protecting their money like it did in the past.
The problem is that the bank will automatically enable online access and SMS-confirmed transfers for that 100 year old person who doesn't even know how to use Internet.
