iTunes beating the banks

I attended a talk last week at Gowlings (a Toronto law firm).
Actually, it was a series of talks. It turns out banks are finally
looking to use hardware-fingerprinting technology to help
authenticate the computer you're using when you access online banking
services. What scared me was that this is the same technology that
many DRM schemes (i.e. Apple's PlayFair, Windows Media Janus, etc.)
rely on ... and it's considered cutting-edge and experimental for
banks. Now, banks have never been particularly innovative
organizations... that's fine... it meets their risk profile... but
since when does it make sense for Apple to take more steps to secure
a 99-cent song than the bank does your account?