One of the most important features of the financial system is that most actions have an "undo" procedure. It might takes a few days, but in most cases you can get most of your money back after a simple mistake.
If I etransfer (Canada) someone money and that person up and disappears I am out that money, a bank will do absolutely nothing. You can file a police report but those chances are also basically zero.
Same with cash, if I give someone cash or take cash out and don't store it properly I lose the whole thing.
There isn't really an undo process except credit cards.