Yeah it's fucked. And the worst part is, most of these places don't even open on non working days, so I can't even do these on weekend.
My country does have identity theft problem running rampart, so I don't totally blame the services, it's a pain but at least a leaked email password here and there wouldn't automatically mean losing access to finance. I understand why it's been designed such a way, but man it's a such a mountain of a task.