You're saying that as if it contradicts (“but”) what lotsofpulp said, but that was exactly their point: If your bank can do it, then so could Google. That they choose not to is a conscious choice, and not a beneficious one.

Conrad's corollary to Hanlon's razor: Said razor having been over-spread and under-understood on the Internet for a long while now, it's time to stop routinely attributing lots of things only to stupidity, when allowing that stupidity to continue unchecked and unabated actually is a form of malice.

(Hm, yeah, might need a bit of polishing, but I hope the gist is clear.)