It's a cat-and-mouse game of banks saving money by closing branches (or never having them in the first place) and wanting to make fraud as much as the customer'

It's a cat-and-mouse game of banks saving money by closing branches (or never having them in the first place) and wanting to make fraud as much as the customer's fault as possible, and implementing new laws to shift some of the burden back to the banks and other organisations and creating toothless regulators for political marketing purposes.