Hypothetically, if that were the case, it creates a single point of failure for the whole system and is effectively "security by obscurity," imo. A malicious ac

Hypothetically, if that were the case, it creates a single point of failure for the whole system and is effectively "security by obscurity," imo. A malicious actor with the time, resources, and/or internal connections could obtain said master key and have access to the entire bank's database.