The risk are highly exaggerated, the damage may never occurs in the first place. It may seem unlikely that the bank can keep my money save by using plain text

The risk are highly exaggerated, the damage may never occurs in the first place. It may seem unlikely that the bank can keep my money save by using plain text pwd but if they can somehow do that, why do I care. Even in the unlikely event that the money is stolen but if the bank can handle that without causing me disruption then whats the issue.