The answer seems to say: "Because there exists least some user errors that the software cannot guard against, guarding against this class of error isn't worthwh

The answer seems to say: "Because there exists least some user errors that the software cannot guard against, guarding against this class of error isn't worthwhile". My bank manages to block a lot of phishing. If Electrum doesn't, does that make Electrum better or worse than fiat-currency banks?