Blaming the victim?
> If you lose money from your bank account the banks give it back to you.
But is that what really happens?
The way I see it is that a bank has a duty to put in place sufficient security for it to keep our money safe. That's safe from (traditional) theft, safe from internet theft and safe from themselves being unable to give it back to us when we ask for it.
So far, cash machine security measures haven't evolved much beyond the PIN-code systems that were around in the 1970's - though my PIN in those days was 6 digits, instead of the 4 we have today. Is that really progress?
Although for home banking I now have a nice little card reader, courtesy of my bank, that "proves" I am in posession of my card when I log on to their computers, I still feel that the onus is on the banks to make sure their security is up to scratch to protect our money. There will always be some crime, the goal for security measures is to reduce it to a level that we customers are willing to pay: both in terms of losses from theft and the cost of the measures to prevent it.