How is it that banks, who arguably store more value, get away with 4 digit ATM codes? They do the same thing Apple does with Thouch ID. They lock you after a sm

How is it that banks, who arguably store more value, get away with 4 digit ATM codes? They do the same thing Apple does with Thouch ID. They lock you after a small numer of failed attempts falling back to a secondary form of authentication.