Your money is more safe in a bank than it is under your bed that's for sure and they provide the service for free.
If you get hacked then you've lost your money, but if someone drains your bank account there's a good job you'll get that money back.
Hmm. That kinda depends these days. In the UK there have been cases where banks were refusing to make people whole again if they could prove their internet banking practices were lax.
Also people who have fallen for very convincing phone scammers aren't being paid back either.
Fair enough I suppose. They shouldn't be automatically be expected to shell out for customer gullibility.