I hope it does because the people in banks are less knowledgeable than us and we are forced to obey them. I mean we have learned how to operate decentralized wallets lik say ledger, metamask, and other and these bank people would make us lose IQ points force 4 step actions on their bank website and they will assume we are dumb. Human in between the tech interface has to reduce otherwise we will fall in our ability to protect our own selves.