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  • One of my log-ins delays the next attempt by an increasing amount every time you get something wrong (2s, 4s, 8s, 16s etc.). Unless a quantum computer is using a process that bypasses that (which it might, IANA programmer), I can't see how you'd brute force it with any speed.

  • Yeah, there are lots of options but us humans still struggle with implement normal encryption so adding another layer of complexity is well good luck banks :)
    They are aware of the issue though so it's not going to come as a surprise.

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