In Denmark I have a daily on my bank account of 50,000 dkr - about 8,000 usd. If I want to do a money transfer larger than that I have to call my bank and answer a bunch of questions to verify my identity.

If somebody held a gun to your head, is there a wayto answer the questions differently such that the money transfer is faked? I doubt so, so it's quite similar. I guess it's harder to talk under duress.