Re: one egg in one basket
It's not just the cards. It's phones now too. I have an account where I must install their app to generate one-time login codes. Annoyingly, the app can only be active on one phone at a time. So if the phone dies I have to jump through hoops to deregister the phone before I'm permitted to put it on another. I imagine it's things like taking proof of ID into a branch so nothing rapid and certainly not possible if abroad on holiday.
With the new 2FA stuff all the banks are doing I've realised my phone is a single point of failure. I need a second phone and a probably second phone number to cover me for a predictable phone failure disaster.