I'm not disagreeing that criminals exist who can do this; nor am I claiming that it takes some kind of Ocean's 11 mastermind to follow someone to a bank and wait outside, while someone else waits at home with someone's wife.

I am saying that the scheme described is already quite a high bar vs most of the criminal activity that takes place; and that over time, as the implications of sovereign money really play out, a lot of other security measures will evolve, some in new institutions, some in old; and the sophistication required to rob someone will increase.