<i>already may have been involved in past murder and torture cases.</i><p>This is the very definition of a movie plot threat: it makes for gripping drama, but is less effective and <i>far</i> more risky than just doing the traditional thing and saying "I'm Bank of America.  What is your PIN number?" to as many people as possible.  I would be <i>astonished</i> if "tortured for your two-factor identification" was even visible next to old stand-bys like "killed for cash/jewelry/sneakers."