The distribution part have gotten a lot easier.
I would be very possible for banks to give all their customers USB devices with a few GByte of one time pads and keep a copy of those same GBytes in their own systems.
And most banks still have brick-and-mortar stores where customers could come and identify themselves and collect their one time pad.
And a GByte of keypads would cover your banking need for a long time.
The problem is more that it works for some one-to-many relationsships such as banks, but not many-to-many relationships, such as emails, websites, etc. There have to be second or third parties.
On the hand, a lot of people seems to log in everywhere with Google Sign In or similar anyway.
And we could instead all have Google or Amazon devices with GBytes of one time pads. And that could be used to set up symmetric encryption, which should be more resistant to quantum computer attacks.
The only drawback is that we would have to trust the third party and everyone who could compromise the third party and every government that could put pressure on the third party :-)
And most banks still have brick-and-mortar stores where customers could come and identify themselves and collect their one time pad.
And a GByte of keypads would cover your banking need for a long time.
The problem is more that it works for some one-to-many relationsships such as banks, but not many-to-many relationships, such as emails, websites, etc. There have to be second or third parties.
On the hand, a lot of people seems to log in everywhere with Google Sign In or similar anyway.
And we could instead all have Google or Amazon devices with GBytes of one time pads. And that could be used to set up symmetric encryption, which should be more resistant to quantum computer attacks.
The only drawback is that we would have to trust the third party and everyone who could compromise the third party and every government that could put pressure on the third party :-)