Or, 3. The vulnerabilities are real, but their impact is being overstated because behind the security researchers is a financial firm hoping to make a buck on

Or, 3. The vulnerabilities are real, but their impact is being overstated because behind the security researchers is a financial firm hoping to make a buck on stock trades. #3 would seem to me to be a bad development for your niche, if it became a popular business model. (I have no horse in this race.)