Why worry about what might happen in 4-5 years? It takes time, especially for the banking industry, to adopt new standards. Also, encrypted bank communications

Why worry about what might happen in 4-5 years? It takes time, especially for the banking industry, to adopt new standards. Also, encrypted bank communications can be logged and broken later, so you also need some time to allow for sensitive information, such as credit card numbers, account numbers, passwords, etc. to change. When you consider all this things start to look a little more urgent.