This is a big part of my problem with crypto and why I'm bearish on it breaking through to normies. Traditional financial institutions just seem so much safer all in all, not to mention having far better UX.

The big thing traditional institutions give you is logs of everything. Sure if I get your account number I can take all your money - but there are traces of that and so it is easy to arrest me after the fact.

Don't give out your account numbers, there will be a lot of hassle should an evil person get it. However you have a reasonable change of getting your money back in a couple years. (this is also why you get warning about some countries - a few will not cooperate with traces and so the money is lost)

I think it also encourages us to rethink specialized and hardened advices versus general ones.

The same attack on every desktop and laptop would be... significantly harder.