Definitely I think I agree with your point to an extent and I will say irrespective of the level of measure that we tend to put in place,some set of people will always want to find a way of getting into people's account in a malicious way.
Keeping all necessary keys and password relating to any of such account is very vital and I sincerely agreed with you ,as I also see that ad the only Means of securing our account and not putting an end to such fraudulent activity
Certainly, robbers can never be eliminated completely. However, we can take measures to save us.