I feel like I'm doing something stupidly wrong or missing a prompt somewhere, or maybe UX is just shitty everywhere, but if I, a millennial who grew up programming and building computers, struggle with this, then I don't expect my mom, who resets her password pretty much every time she needs to sign into her bank, to get it to work.
I haven't invested more time in this because if it's so unusable for me as an engineer, it's a non-starter for the general public.
[1] https://github.com/oban-bg/oban