Banks doesn't really inconvenient these days or atleast where I am living, I can do everything online even you can use ATMs to deposits and withdrawals if you are in need of physical cash at any bank's ATM. So the country where you reside didn't cope up with the evolution of the system.
I knew old people doesn't give their money to anyone but they are smart enough to store them in the form of gold than burying under sand, who knows how much money turned into fertilizers.
Lucky you I must say. Where I'm coming from, the banks don't help the people and it's very frustrating until you have someone in their system or if the money involved large amount of money or sometime even when you have large amount of money and you dint have help from the bank, you will be stich for days or even months.
If scammer scams people their money, victims don't bother to go to he banks to report because the banks don't really give attention, the process they will make you follow to waste your time will even discourage you and this is why scammers don't stop people from scamming through bank process when it's a system they are supposed to fear the most since they can be track.
That's so unfortunate but you can use what you have to it's potential to tackle these inconvenient. Always use the credit cards so if there's an unauthorized purchase then banks are liable for all the funds involved not the user but it has to be reported within the 3-5 days depending up to the bank's policy.
And there's always a support toll-free number for every bank so reaching out to them directly will get help instead of approaching a bank directly.