[bhawks]

Federal reserve regulation D puts strict limitations on transfers from savings to ensure bank capital ratios and solvency, not liability.

Fraudulent withdrawals (eg: check forgery, ACH fraud) are caused by the nature of our high trust banking system.

Account takeovers are easiest to pull off via social engineering vectors.

Alternatively build a good key management UX and don't talk to any Nigerian princes. I'd rather prioritize that.