The banking system has zero security for you as an individual. The DB admins though? They do enjoy some security. (Still not as much as Bitcoin, having central points of failure.)
Have you ever had a fraudulent credit card transaction? I've had at least 5 over the last 30 years including some for over $2,000. I call the credit card company, tell them this wasn't me, the charge gets removed, they cancel my card and send me another in 3 days. In the last 10 years their fraud monitoring has gotten good enough that they see something suspicious and block the transaction. Then they email, text, and call asking to verify if this was really me.
