I won't leave my home to type a 20-digit IBAN into an ATM.

I won't travel to another city or country just to hand money in cash.

I won't travel to a branch to... I have never ever written or received a cheque, what the heck even is a cheque? A piece of paper someone can photo-copy?

I used to be able to do all of my banking from a web browser, from any browser/OS I liked. I've had a fob that displayed a 6-digit code rotating every 30s. This used to be simple and secure. What you propose is ludditism.