[Migo]

I don't agree with the pin though, we have too many alcoholics and they'd forget their PIN.

Gauthy is as simple as checking your PC or phone.

PIN codes are really good, and lot's of us with credit cards already have a PIN number and that would make it even easier to remember.

Plus, with it being an optional feature nobody would be forced to use it. There can't really be too many negatives to it. Makes it much harder to get your account rekt.