@kdfrawg I was talking of consumer software.
Medical and aerospace software is regulated, but the regulations are crap when it comes to security, which goes a long way to erode their primary concern of safety.
Banking: As long as people clutch their checkbook for dear life, they're a weak link in their own bank account security. IIRC current hopes put US checking as dead maybe in 2030. Maybe. Don't hold your breath.
There is a lot of work going into trying to fix this. Vanishingly little has seen industry adoption. The money mostly isn't there. (Microsoft and Amazon and similar have made some steps, but you'll note they have bags of money and scads of customers to start with.)
/@phoneboy @joeo10