Financial meltdown

The US government must be more technically sound than ever before. Imagine how money is being moved around electronically like never before and what if applications are written to secretly move money from account to account without the victims knowing about it. It just seems too easy in todays highly technical world that this isn't happening somewhere, somehow, someway. The government should have in place a strict policy which thoroughy, exhaustively checks every application that's released to the public for potential security breaches