> I can drain your bank accounts by hacking you, how is that not actual harm?
One would need to be extremely irresponsible in order to let themselves be hacked. I would consider it as a punishment and a lesson more than anything.
In any case, this does not directly cause harm in the real world - you would not be able to make money disappear out of your home for example.
> If you leave your door unlocked, that doesn't mean it's OK for me to come in and steal your TV.
It's only the combination of the two (virtual world + can be trivially be avoided) that makes it OK.