(1)What is the (a) nature and (b) legal basis for the protection that deposit-taking banks give their clients against fraud (i) inside and outside the banks and also (ii) as a result of online scams to protect their clients’ money;
(2) whether banks are obliged to take out insurance for these risks;
(3) whether banks are obliged to compensate their clients 100% for losses incurred where the clients themselves did not act negligently and the problem has arisen at the bank itself and with other service providers, such as cellphone companies; if not, why not; if so, what is the legal basis of the obligation?