Security Issue!

I feel very unsafe with all the security alerts/issues with Banks. We pay for a service of having our money/accounts with banks under the impression it is secure and safe...but is it really?<br> How do so many people fall into ****s/*****? <br> In the contract there is a security clause stating never give out your personal bank details or pin, yet you have to? <br> <br> When i call any bank with a concern/issue/query, i have to identify myself and provide information that the consultant then verifies on the system, all good. I know i am calling the bank, no problem. <br> But, what happens when the bank calls me? I refuse to talk to the bank on the phone without knowing it is the bank calling. How would this be done? The bank can provide a password to you or send an SMS with a pin to provide over the phone? There are many solutions!<br> Can anyone from my bank answer why this is not done? Your Statement \How can we help you"...do you live up to that?<br> Why is this not an issue to the bank? We provide them with all our personal details and information"