How obtrusive are the popups? Are you on iPhone or Android? The pin verify popup is like 20% of the screen at the bottom for me. And it's nearly the same color as the background, so I sometimes don't even notice it. Or at least, I finally see it and think "how long has that been there?"

I agree that some things can probably be scaled back. But wouldn't it be an even worse experience if someone forgot their pin, and thus was unable to access their data?