It's not 'my own doings' at all.
It's not me that decided I have to jump through hoops to spend my own money.
It wasn't me that thought making financial transactions online was easier and more secure than carrying cash . . until it wasn't.
It's not me that put in place 14 levels of security to access my bank account, yet it still wasn't good enough for them to act on.
I still like a modicum of control on how I live my life, not how the machines and their masters want me to live.