Do not assume that the people who are responsible for monitoring such things (at the big banks) have only their employer's purse in mind.

One cannot rule out... <whistles with fingers in ears>

Someone's going to get vastly improved security whether they want it or not!

Protocols like TLS protect bank customers from fraud. It is the bank's duty first and foremost to protect their every day customers. If Wall Street always comes first banking's primary product will be despair.