RE: Security:

• HW elements on smartphones or ultra small, cheap HW wallets (wearables)
• EOS has mechanism to recover stolen or defrauded funds and punish offenders.

I would argue hacking a bank account is orders of magnitude easier than hacking into someones crypto. You can create a simple phishing email and fake website and with a little social engeneering people will happilly tell you even their 2FA codes....
There is no central website you can phish in crypto.