I find it both annoying and scary... not sure where the world is heading.

Pretty ridiculous what your daughter had to deal with, too. Seems to be the "new way" for banks... I suddenly will experience my debit card not working and it's because some website where I perhaps bought something was hacked. Meanwhile, I have no card for a week, and then I have to go around and change the information on all the places where it is used for automatic subscription payments.