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No, you are not liable when someone robs the bank you use.

IF someone managed to rob your account entirely through a mistake of the bank, it is the govt pointing the gun at the banks head (figuratively and literally) to give you your monetary assets.

With crypto the government can't get involved so you're screwed

The banks know this, and they don't like losing money, so they have made most of their transactions reversible. There was an article on this a few years ago exploring why bank account credentials are worth little on the black market. Basically, there isn't an easy, safe way to just steal money out of a bank account.

Also caps.

My debit card is capped at $400? Cash a day. So cool you get $400 if you steal it. Very different from 100k

There are ways to withdraw money from the card indirectly, for example: ordering expensive goods or betting on sport events.

Sure. Both of those would likely raise a fraud check, and my bank would call me before releasing money.

Spending 100 crypto coins? Not so much.

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