2004年，美国银行聘请了一家调查公司，以了解如何才能让人们开设银行帐户，以及存入更多的现金。
N 2004, bank of America hires a research firm to work out how they can get more people to open bank accounts, and more money deposited in these accounts.
但是，即便这样仍无法使他能够泰然接受某些事情：由于担心遭到黑客攻击的风险，他没有开设任何网上银行帐户。
Even this, however, does not give him enough comfort for some things: he does not have an online banking account because of his concern about hacking risk.
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