> utility of the product falling down to 0.

Today a bank really sent me a legitimate email about trying their new site. Went over, it was their site alright, logged in with correct username and password - poof, instantly blocked for suspicious access (from my usual home machine), call helpline to fix.

Now that's safe ... and useless. But safe.

Reminds me of repl.it, which perma-blocked my newly created account before I even had a chance to type in e-mail verification code; in fact the notice about account block came before the one-time e-mail verification code.

I still wonder what did I do wrong (support isn't responsive). But it's true that we're both safe from having a user/vendor relationship now.