Chris,
I'm worry about giving account for someone to wire the money.
If someone try to get money out of my account.
Whom pay for it?
The banks right. Their had security systems not allow theft to get in to your account.
If that system fails. The bank be out of business. We all kept out money some safe place instead the bank right.
If theft try screwing around with your bank account. Is the bank job report to the Fed.
You just said is the bank false to allow this activity on your account and the bank take 100% lost. You still won't loose any money. Trust little time talking to the bank.

Bank cashier check also can be counterfit. Sometime the fund was deposit to your account. But the bank can take it back if the check was bad.

Don't forget our family still own 2 liquors store with check cashing business.
We encounter this problem very often. Our average lost due counterfit bank check and payroll check about 10% of the money we earn from cashing check.

Tam