Secure web servers are the equivalent of heavy armored cars. The problem is, they are being used to transfer rolls of coins and checks written in crayon by people on park benches to merchants doing business in cardboard boxes from beneath highway bridges. Further, the roads are subject to random detours, anyone with a screwdriver can control the traffic lights, and there are no police.
The difference between a hacker and consumer is a consumer says, "I wish it would work this way." A hacker says, "I've got a screwdriver and a few minutes."