The difference is Discord and Facebook don’t allow users under 13. Roblox does

About the only internet consumer protections that exist in the US are for under-13

That sounds obnoxious they don’t support the usual MFA platforms

And at the same time there’s Fidelity (and others) using voice authentication as the sole verification of account ownership when calling in (I think they finally fixed this a couple years ago)

you have to have the banks app to do online banking even on your desktop

I have never heard of that. Can you give an example?