You have to wait for it to even be available on PC, or did they backtrack on console only?

I think the biggest issue is the 2fa for transactions which is annoyingly inconsistent between allowing SMS verification and requiring an app 2fa. I know that I have had fairly consistent issues with capital one in this respect, I don’t know if it is prevalent elsewhere

We’re still at least a couple of years out from that, the biggest issue at present is app compatibility, specifically in the context of banking apps. For everything else it is usable with some minor quirks