If you had enough money such that reversing fraud would become a huge hindrance for your bank, you probably cannot initiate any major monetary moves without the

If you had enough money such that reversing fraud would become a huge hindrance for your bank, you probably cannot initiate any major monetary moves without the involvement of a real person, likely one you actually know. Online banking is for amounts which the bank will just compensate you for should something happen; just a cost of doing business.