AI at it's infancy. Unfortunately it seem that they going to go for it no matter what.
I remember the time when banks changed live persons in the call-center with a robot, I personally never talked to the freakin robot and just keep silent till it's done bugging me then I was connected to the real person. I'm pretty sure whatever they will try to enforce upon us we would be able to find a way around it.
I believe our OS should be virus free, we should use strong passwords that's enough to keep your account secure. I personally never needed to improve my account security, I have never been "hacked" but I have lost few accounts in the past because of they "security improvements".