I think some institutions offer better security options than your standard 2FA. Stuff like requiring your account to authorize trades/withdrawals over the phone with a code word, using RSA token, etc. Not sure if $10M would meet the cutoff or not. Usually these are not advertised, but are something that you could ask your institution about.
Also, some institutions will guarantee your funds and make you whole as long as you didn't do anything wrong.
Also, some institutions will guarantee your funds and make you whole as long as you didn't do anything wrong.