It is always good to put an additional security layer and when it comes to operations that involve investments or capital movement I think that is something very obvious.

You reminded me of something from a long time ago, I think the first time I heard these acronyms for SSL was in 1997, it was SSL 3.0, certainly that at that time the browsing speed and the power of the computers available for most of my friends cannot be compared with the current ones, that led to the use of this security layer being reserved for very sensitive uses. Certainly much of that time has passed and today I think there is no excuse for not implementing this by default.