The banks know this, and they don't like losing money, so they have made most of their transactions reversible. There was an article on this a few years ago exploring why bank account credentials are worth little on the black market. Basically, there isn't an easy, safe way to just steal money out of a bank account.

Also caps.

My debit card is capped at $400? Cash a day. So cool you get $400 if you steal it. Very different from 100k

There are ways to withdraw money from the card indirectly, for example: ordering expensive goods or betting on sport events.

Sure. Both of those would likely raise a fraud check, and my bank would call me before releasing money.

Spending 100 crypto coins? Not so much.