@anon20038177 thanks for actually picking up on this and escalating it to a topic. for some reason it hadn’t occurred to me to have done so 
…
I’ve delayed my response and will continue to differ it till i’m able to have a better distilled idea…
though having said that, i’ll share that skeletal structure of the idea/my thinking.
first, a quick response to the other responses.
i believe it’s not just a technical (smart contract) solution but also a social (informed users) one. and both should be approached with the same zeal in effort.
i don’t think we should, or that it in the end will be a compromise between security or privacy. the direction that technical developments (multi-factor auth, social account recovery etc) and advancements (A.i, M.L) are headed, the individual will not need the equivalent of banks. compared to the superlative security the individual will be the epicenter of, these institutions will be comparatively vastly insecure.
now, as for the skeletal structure of the idea/my thinking. decrease the negative, increase the positive.
decrease the attack vectors of projects. in this case i think the attack surface for such exploitations is quite wide, i mean cardano has a presence on a whole bunch of social services without much thought to how these affect security as they just increase the attack surface. i forecast we’ll see a swarm of such exploitations before year end as the price increases having decentralised, hit coinbase etc. if you’ve noticed such social engineering exploits didn’t/don’t happen much for bitcoin as the window for when it was affordable and shallowly adopted has passed. eth on the other hand - given that it has just the right amount of adoption and potential upside - has been plagued by them to the point that even elon musk has commented on them, praising their (bots) ingenuity. cardano, given its wide adoption and huuuge upside, is this and then some.
increase the positive via informing the audience. i’m a believer in the ability and power of creative expression as a powerful source of learning. it’s through stories after all that we have evolved to solve problems and learn.so an idea i’m evolving is one that utilises the pervasive medium of music to meme-ify spread like a virus simplified concepts of crypto with the intent of making people less gullible. this is a concept i’ve been conceiving as a contest, it’s still in it’s early nebulous stages, but i think it has potent potential.