Why so many of us are getting money going missing in our accounts

Could someone please help us as to why is there so many ******** than can access a persons account when we ask the bank for the information they cant give it to us this month it has happen to me and a lady working with me she lost over a R1000.00 and I almost lost R199.00 for an online purchase , as this is only my second month all the stories that I read of peoples accounts being empty is very scary and the worse is they don't recover that or credit their monies back Also the lady was not given her money back how can I trust Capitec with my money as this is an ongoing thing. Very concerned and unhappy customer will this lady not be giving her ****** money back I feel that Capitec should jack up their security. I would also like for this ladies money to be refunded as you should have to have insurance to cover this.