On your No 1 clause; it's not that easy to just log in to a bank log and make a transfer. If what you mean is the literal Wire Transfer, you still have Sim Swap to contend with aside the log.
Moreso, there are few ways to pull funds from a log.
Wire, ACH, DD, DDA and Check.
Each of these methods comes with their modes and you should understand that some bank logs are specific to some methods.
Wells Fargo bank isn't compatible with ACH.
Chase bank isn't compatible with ACH either.
Fidelity isn't compatible with DDA.
BOA and Citi are both ideal for Wire and DD.
A good number of credit unions are good for Wire, ACH and checks.
Also, speaking of ACH, some banks are compatible with ACH Pull while some are only good for ACH Push.
So it is important to know what bank log works best for whatever method you're cashing out with.
On the second clause, if there's a linked credit card to a log, Yes, you can siphon funds from there mainly by billpay or balance transfer. The only thing you have to worry about with this is quick charge back.
On the third line, all and every bank has 2fa set up. Don't let anyone decieve you. No one has thousands or millions sitting pretty in their account without adequate protection, banks will even mandate it.
When you purchase a log, aside the normal details a log comes with it, it should also come with email access and phone number for spoofing, if you can do that. That way, you have a way of authorizing your transactions.
On the last line, you're free to try out whatever site or update you may have. If you know a platform that does what you said, by all means, give it a shot.
