Those "failsafes" may be sufficient to stop automated attacks, but it's worth nothing because it can all be overridden by human error. Humans are always the weakest spot in any secure system, hence also the most commonly targeted.
Your mistake is to assume that the average Joe is smarter than you are. Or let's say more capable of protecting everything you own, which obviously isn't the case.
Those "failsafes" may be sufficient to stop automated attacks, but it's worth nothing because it can all be overridden by human error. Humans are always the weakest spot in any secure system, hence also the most commonly targeted.
Your mistake is to assume that the average Joe is smarter than you are. Or let's say more capable of protecting everything you own, which obviously isn't the case.