Agreed. My criticism wasn't of the solution but (as I tried to make clear) solely of the rhetoric - if "banks are blameless, it's only the fraudsters" flips re

Agreed. My criticism wasn't of the solution but (as I tried to make clear) solely of the rhetoric - if "banks are blameless, it's only the fraudsters" flips responsibility, then that should mean that actually fraudsters are blameless. In fact there's blame to be shared by both banks and the fraudsters, and possibly the victim (depending on the details).