all of your points totally undermine the benefits of centralization and computerization. perhaps that is the point and that there are some things that should just not be digitized or made "easy to do," but security people also recognize that security is often not the end goal. creating a usable system where the reward outweighs the risk is the goal. if the reward, despite this risk/vulnerability, is still very high, then we'll probably keep doing it.
your points are what you would want to do if you wanted to make an ideally secure system, but nobody wants only an ideally secure system...
your points are what you would want to do if you wanted to make an ideally secure system, but nobody wants only an ideally secure system...