We already understand the problem

Cybersecurity is becoming a vital concern for the functioning of a modern economy. This column argues that the threat of cyber attacks should be tackled economy-wide, with economic policies aimed at overcoming the externalities and information asymmetries that lead to suboptimal protection choices on the part of private agents. There is an urgent need for an improved understanding of microeconomic mechanisms in the cybersecurity market, and for reliable data upon which policy design can be based.

We are encrypting cash, delivering tamper proof secure elements and pricing congestion in the money net,   We make it nearly impossible  to spoof pure cash and obsoleted the opportunity for HFT by going to asynchronous interest swaps. . Problem solved, everyone pay attention.