No computer programs are perfect, there will be bugs and exploits. The question then comes to whether we want to deal with unpredictable human "bug" or consist

No computer programs are perfect, there will be bugs and exploits. The question then comes to whether we want to deal with unpredictable human "bug" or consistent computer bug. For the later, we can engineer our way to a minimum risk model, where it become punishing to exploit a bug. We are doing the same thing with the current system, it's just that different banks and companies are responsible for different systems. There are bugs and exploits in systems of our finacial institution and we rely on human to mitigate the risk. Will computer be better than human or can we build a hybrid system? That's the question we need to answer.