It's also impossible to use if you're an expat, and you get locked out of every Government online system that requires strong identification.

You can, but there's a couple extra hoops to jump through. You first have to go to the police station and get a state ID because banks don't accept US passports or Finnish residence permits for whatever reason. Then you can open an account at Nordea. Then you can go through Nordea's system for e-identification.