It’s more like going to a store, and someone stealing $2k from your when you swipe your car in the store’s machine. Then the store telling you “sorry, it’s not our problem. Go talk to your bank”. This was McDonald’s app that Mcdonald’s owns and people trust them with their financial security. When McDonald’s fails terribly at this it affect everyone involved in apps. Trust is easy to lose, and extremely hard to gain back once it’s gone.