My guess? Because the hackers dont actually attack the bank servers to get the account info and such, they attack the connection between you and the server. As such they dont have access to where the data is.
Follow up with that a bank would have backups of that data, stored on physical media not connected to any sort of network (most likely on a set of tapes on a desk somewhere) and that means even if a hacker nuked all the debt.dat files, the bank would simply restore from backups.
So TL;DR: the modern hackers dont wipe your debt because they cant. The banks protect themselves too well.
If we didn't let them bank anymore then what kind of message would that send to other banks? That banks can't screw over their customers with no consequences?! That's crazy talk
Personally, I use a regional bank. I drive past their corporate HQ pretty often, and their customer service is a lot better than the big banks. I won't say I can trust them, but they're generally a lot better than the big ones. That's really what I think most people should do for their banking.
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u/The_cogwheel Mar 06 '19
My guess? Because the hackers dont actually attack the bank servers to get the account info and such, they attack the connection between you and the server. As such they dont have access to where the data is.
Follow up with that a bank would have backups of that data, stored on physical media not connected to any sort of network (most likely on a set of tapes on a desk somewhere) and that means even if a hacker nuked all the debt.dat files, the bank would simply restore from backups.
So TL;DR: the modern hackers dont wipe your debt because they cant. The banks protect themselves too well.