Again it is because the instrument that underwrites their businesses can be manufactured out of thin air with no cost or accountability.  They do not require 2FA because they feel it aggravates a person.  It is much more easier to have a case INsensitive password which is true.  If someone frauds the account and removes cash in some schema, they can simply 'reverse' a transaction.  They transfer the aggravation to the money system which has infinite printing capabilities with no auditor or oversight.  In fact Janet Yellen has "strongly advised against an audit of the Fed."  We all know there is a clear reason for this.

Most transactions are not reversible.  That is just a nice way to put it, kind of like "Federal Reserve" - it is not Federal and has no reserves.  What reversible actually means is, "we can use other methods eventually leading through our insurers and federal reserve banks, to print more."

In the Bitcoin space we do not have that luxury.  We must be accountable.  Actually 105% accountable.  Even Gold can be manufactured much easier than Bitcoin.

The banks are not evil.  The instruments that underwrite their business have masters who are in a race to a value of 0.  It is hard to build a business on that kind of foundation.  The banks enjoy the fruitfulness of that crazy exercise.