SQL Injection happens now and again but less often, possibly because with a lot of the banks we deal with they're not necessarily using an SQL backend as opposed to some sort of broker for backend systems. If you can abuse the broker though (and that is a common theme) then there's all kinds of fun/problems to be had.
I think if you re-read my comments in the context I wrote them in, you'll see that all I'm saying is that there are heavily-audited apps for which a padding oracle flaw would be a reasonable first step for an attacker.
When XSS was discovered, we had one large financial institution that we did testing for make us go back and retest all the applications we'd tested for them for XSS (this was about 20 online banking apps), and for about the next two years, it would pop up in tests for other clients.
I can safely state that now it's pretty rare though, as the majority of the applications we're looking at have been tested annually, and the low hanging fruit has been picked a long time ago.
It seems that weaknesses like these, while problematic and fun to discuss, are not really the ways in which web applications are generally attacked.
You aren't going to break a Fortune 100 bank's retail app with a textbook SQLI. Those apps have been audited several times over. It would follow from your worldview that those apps simply don't get attacked. Of course they'll get attacked.
Also: padding oracles? HMAC timing attacks? Not rocket surgery.
Pick the random Fortune 100 bank app and wouldn't it be more fruitful to attack the pc's of the clients rather than the server? You've got probably millions of users of the application, most of which are barely secure in the first place. As you said, the web server side is going to be the toughest link in the chain. Not impervious, but certainly difficult. Seems much more likely the hacker/cracker will target the users. In such an attack, the crypto is not the thing attacked.