If someone hits your car while using the car features is exactly why you can sue both the driver and Tesla. You’re very likely to in against the driver, the other isn’t really tested in court. Your mileage may vary.

Also, how is the bank supposed to protect your account if you give your login information away to a criminal? There are a non-negligible amount of cases where the consumer compromises their accounts themselves. The responsibility lies on both. The burden often isn’t placed on the consumer either. Merchants are often the ones that pay the highest price.