"Unfortunately, many of our other customers, and customers of other financial institutions were not correctly protected by the code alone.. and were still getting scammed or confused.. and losing _all_ their money."

> Customer: "[...] I'm finding this very frustrating, I need to get into my account."

"That is understandable, but we take the security of your account and your personal information very seriously, and this requires us to make changes to maintain that security in the face of new threats and actors as they evolve."