In some cases, banks have trained us not to panic instead of taking time to understand what's happening. A while ago, I scheduled a wire transfer through Chase

In some cases, banks have trained us not to panic instead of taking time to understand what's happening. A while ago, I scheduled a wire transfer through Chase to go through the next day. While asleep, I got an automated call from Chase asking me to confirm that the wire transfer was placed by me. By the time I had woken up, my online banking and my bank cards had been shut off. This is not consumers fault. Everyone is used to banks not being completely impatient and expecting immediate responses. For some other example, by law, you only have two days after a transaction to respond to fraud, or else you could be looking at $500 lost instead of $50. Not immediately answering the phone could make a difference of $450!