> The only real disruption I'd say is if you happen to be buying something online that triggers the 3DS prompt (an additional security layer to prevent cards getting stolen/scam). In Denmark the 3DS prompt for VISA at least uses MitID to verify you are the owner of the card, so that'll obviously not work when MitID is down.

If you use Lunar, the 3DS prompt uses the Lunar app and not MitID.