Stop validating names, start signing content.

Scan a QR code when you open the bank account, add it to the keys you trust as authorities on financial things. When your browser runs accross data tagged "financial" it checks the trusted keys in that domain and renders it only if it was signed by a key that is trusted in that domain (the domains prevent your bank from abusing that trust by causing you to see political ads or some such).

If you ever see something that you suspect is malicious, you untrust whichever key signed it and take it up with whoever asked you to trust their key. If you verify it's malicious, gossip the bad keys to your friends so they can distrust also.