are you saying that banking system is imprevious to hacking?
Are you reading carefully? Quite the contrary. As you know even the Federal Reserve Bank of US has been hacked, at least once. The "take" was about 80 million $, although they were reportedly going for a billion. I have little confidence in any scheme to avoid hacking. That is why I drew our attention to the race between cryptography and code breaking. It has been going on since at least the Peloponnesian war, and certainly is ever present today.