I think you are correct. Even with a hacked account, it's very difficult to move the money into another account without leaving a trail. Either the money will have a hold for days or the transaction can be reversed.

There are also consequences, steal money and you'll probably go to jail. Hack somebodies email, law enforcement probably won't do anything unless it's a high profile case.

Compare to BitCoin. Irreversible anonymous transactions. Far better security and coins are constantly getting stolen. I really don't think BitCoin will succeed since computer security in general is still kinda amateur hour.