"If a hacker somehow logged into your merchant account, they could charge credit cards and change the bank account where the funds are deposited."

Unless Intuit is storing customer account information in my account, which they claim they are not, the only account information that can be changed is mine.  Have you ever tried changing that account?  It's not that easy, and it's not that quick, so, either you are lying, or you just have no idea what you are talking about.  Further, the change you are referring to is completely traceable and reversible.  Again, your answer smells.

i appreciate the effort though, and having read every single response on this topic, could congratulate you on the most believable lie told here on the subject.