No, we have convenient online services in spite of the endless security theater that permeates consumer tech. All it's done is gradually increase maintenance burden and technical complexity until useful features are slowly stripped out to create a more "streamlined" experience. The mobile app for my credit union has become so shitty that I'm not even sure if losing access to it is a deal-breaker for rooting my phone - I already prefer to do my online banking and shopping on my laptop.

There is no "just works" technical solution for a problem caused mainly by naivete and gullibility. Governments and the private sector know this, of course; as others have said, the real purpose is to control users, not to protect them.