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Recently I've moved around a bit and have been connecting to a lot of different networks for my internet. My online bank account has flagged and reset my account about a half dozen times in the last month.

The strategy seems to be "There is a snowball's chance in hell the account was compromised let's just lock online access and require a password reset just incase".

It's inconvenient, but you have to wander at what point do you need to take control from the user. It's hubris to think we can imagine all the edge cases for user behavior (like you described).

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