> Having a government-insured bank deposit means that I've never had to think about this in my lifetime. It's a problem that I don't need.

Government-insured bank deposits are mostly BS, the fine prints say they have about 10 years to reimburse you and in case of a systemic failure good luck.

In case the bank app, their "system" or your computer is compromised most banks will not reimburse you. It is very easy for them to say you were ultimately responsible for the hack. Very few banks have the policy of taking the loss and it is hard to know which one still do that unless you know someone in their fraud department.