Regulation as a solution for problems on the Internet is pretty stupid because jurisdictions are so diverse.
Also, good regulation is important to keep the big dogs on a leash and to have something to go after them when they don't behave.
Technological solutions will of course come, but you also need regulation, especially until the technological solutions come.
No, this is really out of touch with how crime online works. People that want to hammer a bank rent botnets, use tor, vpns, etc.
Banks get absolutely zero protection from the law in that regard. It’s “illegal” but completely unenforceable to the point of being useless.