The signature would be needed when the bank says "you have no money" even though I should have, due to their ancient COBOL systems breaking, fraud, whatever. H

The signature would be needed when the bank says "you have no money" even though I should have, due to their ancient COBOL systems breaking, fraud, whatever. How would I prove to a court that I do have money if I only have easily forge-able unsigned PDFs? Now before you say this is unlikely, ask yourself this: Would you lend thousands of dollars to a regular person without ANY signed document from them which says they owe you the money? No, right? Then why would I do that with a bank? If they get that much money from me they ought to at least give me a kind-of unforgeable document which says the money is mine.