Time for our banks to secure our money

I just don't get it. The banks make so much money from us, it's criminal. They even charge us to access our own money, especially if we use someone else's ATM machine.

We are issued plastic cards that are virtually currency, insomuch that they give us complete access to our bank account balances and our credit potential. Yet the security these cards are afforded is laughable. Card skimming continues to this day unabated. Although I've noticed that stores in Canada tend to look at the signature on credit card purchases and compare it to the signature on the card, I've heard that in the US, most merchants don't even bother anymore.

I think our banks owe us a much better security posture that would make it near impossible for credit card and bank card fraud to take place. They certainly have the money to develop something. Now that chips are to embedded into the next generation of credit cards, enabling proximity sensing (no swiping) of the card to pay for merchandise (which I've heard may also lead to no signature required), the monetary transaction becomes even more impersonal, opening the door for easier defrauding of stolen account cards.

Do we keep taking this from our banks? How long would it take the public to take our government to task if it was discovered that $20 bills could easily be copied? So why do banks get a free ride?