Actually after working for 2 investment firms and 2 multinational banks and 1 credit union they won’t. Next time work in the industry before you speak

Yeah it is, where would the money come from? They would have to recover it because they aren’t going to comp you their own money. In the Case of a fraudulent charge the bank can recover from visa MasterCard etc through their insurance programs but a scam is not the same as fraud. When you give away access you give away your rights.