Well sure, but the average consumer needs and/or wants some protections, safeguards and insurances. If my bank gets hacked or even if I get skimmed it's considered their fault and I'll get my money back.
If it's stolen from a bank, it's their obligation to recuperate you.
FWIW, most countries have a type of insurance if a legally operating bank goes under, at least some of your savings are protected (eg. in Serbia that's up to 50kEUR).
While I can't speak for other places, in the UK, if you haven't been careless and report quickly enough, your refund is not dependent on anyone being caught.
Well sure, but the average consumer needs and/or wants some protections, safeguards and insurances. If my bank gets hacked or even if I get skimmed it's considered their fault and I'll get my money back.
>I'll get my money back.
If the police retrieves your money from the thief?
That's if it was stolen from you directly.
If it's stolen from a bank, it's their obligation to recuperate you.
FWIW, most countries have a type of insurance if a legally operating bank goes under, at least some of your savings are protected (eg. in Serbia that's up to 50kEUR).
While I can't speak for other places, in the UK, if you haven't been careless and report quickly enough, your refund is not dependent on anyone being caught.