Honestly, the bank protocol is overkill for 90% of users. Most people using iCloud are using it to sync photos of their cat. The number who are keeping "their life" in the cloud is basically confined to techno-geeks.
Your average iCloud user is not necessarily going to want to a) prove their identity initially or b) do so again to get support.
I think you are better off taking the approach of "don't put something in the cloud if you can't afford to lose/expose it." Yeah, that pretty much limits its usefulness, at least or now. So it is.
Your average iCloud user is not necessarily going to want to a) prove their identity initially or b) do so again to get support.
I think you are better off taking the approach of "don't put something in the cloud if you can't afford to lose/expose it." Yeah, that pretty much limits its usefulness, at least or now. So it is.