[lhgaghl]

It's not even clear what you're complaining about here. Exchanges get hacked because they suck. Banks don't affect the customer as often because they are old and already have been hacked many times before, and have all kinds of insurance and hand wavy ways to avoid liability when they actually get hacked.

It's as if you are discontent that you are now liable for walking across the road safely after being driven around by a private taxi all your life (if the taxi crashed, the company would not lose any reputation, it would be the driver's fault, despite the low wages paid to the driver, pushed to the limit time pressures on the drivers, the recent line of flawed cars they ordered and decided to keep to expenses, and you would die, and it would just be like any other day).