I might disagree a bit with you especially on the issue of the security condition regarding the present banking system. It is true that most fraud cases are due to personal errors. But this is not always the case. I remember my card was once used to complete a transaction somewhere online without my authorization. And I'm totally the kind of person who's very tight with my banking security. When I reported to the bank, they had no excuse whatsoever which was really strange. It seemed like they knew the error was from their own end. They refunded the money, I got a new card and that was all. But ultimately, I think for now, Blockchain security is still very reliable.