Banks do wear all of the risk attached to using your card online, so long as you don’t do something stupid and share identification and PIN information.
Aside, I remember as a kid walking into a branch with my mum and grandparents, there were always lines of 6-10 tellers and I remember the tellers always asking if the customers wanted to be taught to use the ATM - I bet most of those tellers never retired from working at the bank...
I always cringe when I walk into a store these days and ask for some product and the staff say ‘have you tried looking online?’ - yeah, send me to any real competitor before you suggest online.
Staff were doing as they were told, but yes I finished school in the late 80's when it was still common to do the "public service entrance exam" or join a bank. Fortunately I did 1 weeks work experience in a bank and that was enough to "enlighten me" and went into heavy industry, now also a dying sector.
The 90's and 2000's were the end of the banking era for both employees and customers as we to know it and I think the banks played nice not closing as many branches as they could have, but eventually did. Most of my school friends that I knew who joined a bank nearly all met the same fate within 10-15 yr. Ironically when Rio Tinto was closing its Melbourne R&D office, many of the former mostly engineering or science based staff ended up in the banking industry working in their business development, analysis, improvement etc. My own cousin (female) in business improvement, used to get chauffeured driven home from the bank in Melbourne if she worked after 6pm, then head hunted by another bank for same.
The banking industry is now mostly all behind closed doors, the customer service side is online or phone as this is 2020, not 1920. Personally I haven't walked into a bank in in Australia in years and I don't see a need to start. We have taken 2-3 mortgages over the phone from 2002 to 2008 and almost everything else including investing.
The last time I had to personally deal with a bank wasn't an actual branch, but an office and it was because they stuffed up the loan progress and to speed things up I had to physically pick up the deed for a property we were using as security, take it from one bank office to another banks office. I walked 600m across Brisbane in my lunch time to take the document across the road. The guys could see each other from their offices and he got both the deed and a mouth full from me (to be fair they couldn't officially do that, it had to be security courier, but still).
I will say the Australian banks are completely "F_ed" in dealing with expats off shore dealing with Australian based transactions, some better than others, but few great.
In the UAE, its not alot different, for UAE my mortgage they came to my house to go through the paperwork. New cards are delivered to your house, work and I've even picked up on side of highway by courier and only to you with UAE ID on delivery.