Re:One time pads. The only solution. (Score 1)

I would give blood to be able to use a one time pad for my online banking.

This is precisely how most online banking works here in Germany. When my TAN list (one-time pad) is finished the bank sends me a new set in the post. There is a time-limit as well: if the list isn't used in a while they send you new ones anyway (and the old ones are invalidated.)

Moreover, the system is really easy to use, nicely designed and quick.