It’s completely true that it will get worse before it gets better. The idea is that the future society will become more and more dependant upon digital technology and eventually, ditital crime must be dealt with in much the same way as physical crime.
I also have a bit of an insider on the banks stance which is that they of course would like to prevent it as it causes problems with their moneyholders. Nobody likes their customers getting cheated, but some of the bigger banks will gladly eat the cost, simply because there is in some cases nothing that they can do. They cannot monitor all of their customers emails, and phishing is most prevailant in email. It’s a very fine line. Do they stop any suspicious transactions and risk having the customer mad at them for stopping a legitimate transaction? Do they not stop them all and have a phishing scam go through?
Bottom line is this. Those of us who are more digital savvy than the next shouldn’t have any big problem because we can generally spot a phishing scam. Its the older generations who are not as digital savvy(or at all) that need to take a proactive stance on this. They wouldn’t wander down a back alley when they know there are pickpockets and muggers down it. Educating the people who are generally targets for these scams should be first and foremost before we start blaming banks or anyone else.