And for what? To protect their money. It's their responsibility to stop fraud and cover losses. Not mine. I'm paying them my monthly service fee to safely store

And for what? To protect their money. It's their responsibility to stop fraud and cover losses. Not mine. I'm paying them my monthly service fee to safely store my money. People don't seem to understand this. If I want to saddle all the risk myself I'll use cash in my mattress.