Re: I'm baffled
"If your mobile banking application is compromised, you will find out when you receive the next statement from your bank, the details of all transactions will be there for you to see. If you dispute any of them, there is a clear process to follow, which (in exception of cases of gross negligence) will result in any losses bing refunded."
On top of which, the money has to GO somewhere, and cobbling together a transaction chain that can't be traced to the miscreants is a non-trivial job. It's sort of like counterfeiting. Doable, but likely to be an inordinate amount of effort and quite risky as well.
Hacking a voting program is likely easier and less risky. And there's likely no meaningful audit trail.