Why not ? Worked out fine for asbestos. Technics aren't neutral.

Asbestos wasn't understood well at first, and its continued use was due to its utility. Practically all countries around the world have successfully regulated/banned it. Removing asbestos is when it becomes most dangerous.

Online banking is dead simple to secure: require a TOTP token. It's something you have (like a debit card) + something you know (PIN/password). The poison being introduced is through a third party, and entirely unrelated to the original function.