Hardening against what? Apologies if I am being dense here.
The way I see it, automated systems should basicially have access to the financial system anyways. This is some of the appeal of cryptocurrency.
Sybil resistance built into the traditional financial system (for example firewalling based on residential IP, requiring banking apps, etc.) is a massive annoyance that can obviously by circumvented at scale.
You think it is a lost cause to get credit cards, for example, less steal-able? Apparently there is a way to create fake cards that work for a few minutes, and stolen cards can be used. A lot of the current security is inelegant and lame. Could data-breech laws not light a fire under some company's asses?
I think the solution is a system like cryptocurrency to where the responsibility, liability, custody, and capability to defend oneself lies in the end user.
It doesn't even need to be decentralized: GNU Taler is one example that gets posted here a lot.
Any attempt to retrofit the old system of banking will only make it harder to replace by a system with better underlying assumptions.
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