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We know that PDFs are editable, but everyone seems to act like they're not, at some point thats going to turn into a mini-crisis.

Everything is editable in a hex editor, but PDFs can be certificate signed allowing for document authenticity and integrity verification.

And of course the banks sign their PDFs ...

That's not PDF's fault, just like you can't blame Git for developers not signing their commits.

Paper is also pretty editable or creatable. That's why paper money has so many anti-edit features today.

It would take a lot more effort to edit a paper bank statement compared to a PDF one

Not really? The paper statement is usually just a printout of the PDF.

And, the purpose of a hard copy is to show the PDF contents from a specific time, whereas the online PDF may have been altered several times.