I've still got dual authentication on desktop with Lloyds, plus 'device recognition' and then 3 x passcode letters each time on the mobile app, and a 5 digit pin on barclaycard app......
Thread title implied earthquake, flood or pestilence or possibly a UFO, or stockmarket crash, instead seems to be a minor PICNIC error. Disappointing - does the OP write Daily Express headlines ? :shrug: