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Financial companies (and companies providing financial services) are protected by auditing and the law around finances, not infrastructural security. This is a major best-practice breaking point between two ecosystems of software service.

In the banking sector, you can still, to this day, try to get away with stealing money by forging a paper check and hoping the bank honors it. And they may let you walk away with the cash! What protects the system is that when the fraud is detected via auditing and resolution, actual law enforcement will come find you.

The early web never had such legal protections ("Wikipedia's database was hacked? What even is a wikipedia? They got their facts disrupted? What does that mean?"), so they were forced to grow infrastructural protections or be consumed by attackers. But there's a case to be made that the costs inherent with hardening infrastructure like that are unnecessary to bear when the law will actually show up to stop the criminals messing with your infrastructure. It's counter-intuitive for those of us raised on the "You can only rely on yourself; everyone else is a potential attacker" side of the fence, but it's a way to be.






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