Perhaps rather than predicting the future it's more a question of which bank is more likely to commit fraud: the one that's a repeat offender, having committed egregious acts of fraud against millions of customers, or any other comparable bank.

"Catastrophe risk modeling expert." That's good stuff.

I appreciate you looking up my bio :) It's important to make financial decisions based on calculated risk.

Past behaviour is a good guide to future behaviour. But you knew that already, so the only reason to ask your pointless question is because you don't want to make the effort to look.