The reality of any non-trivial issue is that we have to consider potential improvements from all angles. I want to improve tech for grandma and for the bank, doesn't that seem like a goal worth working towards? And let's please not pretend that banks are infallible in all of this, they also have opportunities to improve.
People must adapt, because it is unreasonable to expect the world to adapt to the most naiive user. You either will get mugged every day, or you learn your lesson and move out to safe neighborhood, or you buy a gun and solve mugging problem for everybody else one shot at a time.
same with fraud - user will continue getting defrauded and scammed until user learns the lesson and either abandons tech he.she is unable to use securely, or adapt and learn how to use it
It's almost cute how you think people living in places with high crime rates wouldn't jump at the chance to move to a nicer neighborhood with lower crime rates, and that the reason they don't is because they haven't "learned their lesson".
Everyone buying guns and then going around shooting criminals is not a solution to crime, but if you're convinced it's a good idea, why not try it for yourself and "learn your lesson"
I grew up in high crime third world country and all young with half a brain folks emigrated as soon as they could.
The rest had to adapt and cope, due to different life choices and trade offs.
Yes you can blame the government for being unable to fix high crime, and sit helplessly while waiting for the same government to fix the problem.
Or you can get matter in your own hands and solve it the way you can.
Fraud problem cannot be attributed to banks 100%, given that users are at fault