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I think you got them wrong.

Bank customer data breach is not that rare.

Money in bank is "secure" because they are cross checked with counterparties. Their data leaks like everybody else.

This. At the end of the day, if it is a significant transfer there are people in locked rooms that have to call each other and independently verify a transaction brokered by a third party. And if you don't pass a background check, and don't need to be there, you don't get in that room.

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