Malware is, by definition, malicious software. Your bank attempting to prevent people from stealing your money is not malicious. Yes, your bank is insured and if your money is stolen you have a decent chance of getting the money back eventually, but not until you're able to prove it was fraud and that process finishes. That could take months in some cases, and you're missing all your money in the mean time, which is long enough that for many people they wouldn't be able to pay bills and could face eviction in the mean time.