It was a fairly obvious thing too, when they were suggesting finger print authentication one of the first snags to come up was 'how do you detect if the finger is still attached to the human it was born on'.<p>The bank teller had a function other than just being a cost on an itemized list, they were people and people are good at spotting unusual patterns.<p>Once we switched to ATMs and now to online banking the pin taking the place of your digital signature the push is on to make you the responsible party for your bank balance, even though the banks could (and should) take more responsibility and actions to safeguard your balance.<p>Even velocity controls are not adequate, as the torture case clearly shows.<p>But then again, in times before all that came to pass it was possible to take your family members hostage while you visit the bank too. It's just that now we don't need you to go to the bank (and potentially alert the police) but all we need is four digits. After that you are literally disposable.