>If someone breaks in to your online bank account, they can steal some money - at best it's insured and you lose nothing, at worst a single person's life saving

>If someone breaks in to your online bank account, they can steal some money - at best it's insured and you lose nothing, at worst a single person's life savings are gone. You're framing this completely wrong. Hackers have the ability to break into much more than just "a single person's life savings".