I think everything that deals with money and profit and investment requires risk. the world is changing and its moving towards a digital world. banks have been around for centuries but they survived because they adapt to changes.
well, actually theres no safe place for monet transactions online theres always that risk, and its up to you whether you gonna risk your money or not. Our technology nowadays is getting more and more complicated theres a lot hackers and scammers we need to be careful when dealing with money online.