This is wrong in so many ways. If your bank is hacked you as the user are not liable for the loss. Online transactions are traceable and reversible. Banks are

This is wrong in so many ways. If your bank is hacked you as the user are not liable for the loss. Online transactions are traceable and reversible. Banks are heavily regulated and the legal regime is well defined. Etc etc etc. Having your online banking hacked is a bit like being mugged on the way out of the bank. Having an online wallet service hacked is like someone driving in a truck, emptying the vault and leaving without a trace.