Earlier quoted context omitted.
Using multiple devices: Credit cards for payment, instead og apple pay. A camera for taking pictures, instead of a camera app, a notebook to write notes, instead of an app. From my perspective the original comment is not rocket science?
What an awful and counterproductive experience. If you require someone to enter their credit card number every time they make a purchase they end up doing dumb, insecure things like storing it as a text file on their desktop. And having external hardware just means more cables, batteries, updates to keep it secure etc. Initiatives like PassKey, ApplePay, TouchID etc. have been a huge win for security and privacy.
this is merely the parent commenter's belief that they would should use different apps to reduce the risk vector when secrets are stolen.
no reason to completely ballistic.