"Makes you wonder if it's cheaper to blame the customer than actually do things properly...?"
Probably not. It's more likely just the Dunning Kruger effect - ignorance cannot identify itself.
In engineering terms (and probably in terms of general forethought) the common standard of expertise is infinitesimally above zero, and as was found at Equifax, there's typically no strategy except making (taking) money and negligible oversight of operations.
A less significant (but revealing) instance has been the last six months or so at the Startpage search engine home page. There's supposed to be a visible box round the search term entry box so you can see where to type it in. However this box disappears for days at a time, sometimes only re-appearing once you've clicked on it (helpful, as you obviously already know where it is by then). Sometimes it's present when the page loads but disappears after a couple of searches, not to be seen again for a week. It's obvious that someone suffering from the Dunning Kruger effect is being allowed to continuously tinker with the interface. Probably the same applies at the bank.
An information lawyer of my acquaintance once told me "the banks don't have better security than you - they have better PR".
Biting the hand that feeds IT
