Re: Which is a bigger worry?
They are both an enormous worry. Once upon a time, the notion of confidential had meaning. Now, apparently, banks have forgotten that and see no more problem in putting customer data on someone else's server.
And if this is the trend, then saying that you won't deal with a bank that uses The Cloud (TM) is not an option because they're all going to be doing it.
Reminds me of a saying with the words 'Hell' and 'handbasket'.