It's a particularly horrible solution when your bank decides to replace their existing clever nigh-impossible-to-sniff multi-factor authentication system with a little dongle sent to your home address whist you overseas. Specifically, I need it to pay off my credit card bill with the same bank; I can still log in and shift money between savings accounts at will.

Ah, but I can still pay my bill by telephone and all I need is to dial in the card number when prompted...