You're aware that your experiences are not universal though, yes? Anecdotally, I know far more people who have been mugged than had their accounts zeroed out. I actually know more people who have been passed counterfeit money than have had their accounts zeroed as well!

It's also hard to have silverfish eat your bank account balance, or have your credit card account catch fire and disappear.

https://pestrepublic.com/do-silverfish-eat-money-how-to-keep...