Spyke

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Honestly the archive should rate limit the request based on the Referer, then their website would slow down and become unusable without actually breaking anything.

I also wonder, if they're this incompetent, could someone... Break their website?

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Why don't banks like root on Android?

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The issue with option one is that scammers get old (or not technical) people to do stuff when they don't know what they're doing and click the box not knowing what they just did. So yes very frequently they need to protect people from themselves because they're dumb, but I still expect banks to do business with those dumb people, sooo.... Option 2 it is.