You’re staring at your smartphone. Your bank is gently suggesting—which is to say, aggressively badgering you every time you log in—to download their mobile app. You hesitate. You picture yourself accidentally pressing the wrong button and instantly wiring your life savings to a “prince” in a country that doesn’t even exist. If this sounds familiar, you are absolutely not alone. For many of us, the idea of carrying our entire bank account in our pocket…