Barking up the wrong tree.
They should target the vulnerability of the banking system esp the payment system.
By going all out to convert everything possible to go digital or online , the PAP is one of the major cause of this problem.
An example is the physical token for online banking which was converted to a mobile app/digital token without giving customers a choice.
I would prefer a physical token as it is safer and more secure and I do not mind carrying it around as its so small .
PAP has sacrificed safety and security for speed and convenience.
It allow banks to hire less frontline retail banking/counter staff and make more profits at the expense of consumer account security.