"Banking is protected by law, any lost money will be reimbursed."
The controlling federal laws are the Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA)( (15 U.S.C. 1693 et seq.). If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions.
However, unlike credit cards, if someone makes unauthorized use of your debit or ATM card and if you do not learn of the transactions and report them after 2 business days but less than 60 calendar days after your statement is sent to you, you are liable for $500. After 60 days, “All the money taken from your ATM/debit card account, and possibly more; for example, money in accounts linked to your debit account.”
"Cars and houses have insurance."
Yes, but there are deductibles to pay, hundreds if not thousands of dollars before the insurance company begins to reimburse the insured.
Civilians do not understand what
Civilians have been told the internet is a safe place to buy things, send images by email and store payment data and the like. They believe it. Those people did what are in retrospect foolish things, merely because believed what they were told.
The only way to never see yourself naked on the internet is to never take nude photos. Period. After that, it's just a matter of percentage of chance. Not fair or right, but true.