I recently had a problem with account getting hacked trough third party and I'd like to get bank app confirmation added. To be more thorough, when you're paying for anything at Twitch(subs, Bits etc.) you should approve the payment through your bank app(most of banks have those nowadays). This will reduce the risk of people being robbed by hackers/abusers. Also, payments should not be considered as invoices but as regular payments(account to account).