Re: "Banks have typically been good about walking the line between convenience and security.”
You use HSBC, don't you?
They blocked my card every time I booked a holiday because I book flight, hotel, car and parking within 15 minutes separately (to ensure I have all the pieces of the puzzle). After having to pay "demand driven" price increases twice because of the cretinous clueless HSBC fraud detection, I gave them a final warning - unless they get a clue and can recognize a standard travel purchase pattern they will be fired.
They did not get a clue. And got fired.
Just switch to a bank which has bought some proper fraud detection software instead of a call center full of clueless people in a hot and humid location (I know guys who develop it in Eastern Europe and who has bought it from them).
Biting the hand that feeds IT
