Because a bank card has a lot more security features.
For example, to pay for something online, you can’t simply use your pin. You need the long number on the front, your name, expiry date, and the numbers at the back. All of this acts like a password in a way. Then if you have it enabled (Which I recommend) 2FA on your online bank account to prevent someone from leaking your bank information and freely using your details anyway.
Then as others have said, your bank card has 2FA anyway – The card itself as well as the pin. Although in some places in the world the pin is being phased out with “Tap and pay” or paywave. (Contactless payment.).
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