Any Smartphone is the most easily hackable computer device on earth that I presently know of

This is why putting anything financial on your smartphone is the the height of insanity if you know anything about tech stuff.

However, companies like Banks want you to do all sorts of stuff convenient for them. (like transfer all liability of any money you lose when hackers find your bank passwords on your phone or computer to you. (In other words if a hacker finds your passwords to your bank accounts through your smartphone or computer you lose everything (not the bank) because they are not liable for this.

This is one reason why I stopped doing any kind of computer banking on smartphones or computers at all anywhere and why I ONLY do business through the bank directly by going there because then and only then are THEY liable for anything that happens (and they have special insurance for them being hacked) (and usually you do not because it is way way way too expensive for you to carry) (for most people).