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Banks have to strike a balance between security and convenience that Blizzard doesn't have to worry about. People don't want to be inconvenienced when doing something so mundane as accessing their bank account. If they had to use a keychain fob and enter a code every time they swiped their credit card, a lot of people would just stop using the card alltogether. Whether or not this is a disadvantage is questionable when viewed from the end user's perspective, but from the bank's perspective it certainly is. Especially if that individual then uses a competitor's card instead.
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I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
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