The problem is not if the bank's site breaks; the problem is what happens when a phishing site displays "error: connection to ConfidenceWord database failed". What percentage of users will say "oh, the bank's site is messed up; let's go in anyway"? A high percentage.
I hardly believe any technical solutions on the bank's website is going to prevent any phishing sites to mimick it. People have to learn to recognize phishing sites and electronic communications phishing tactics just like they have to learn to spot fake ATM.
Frankly, I believe it's not something you can make happen. I remember a story here not long ago about honeypots in China and businessmen getting full briefing and warnings by the MI5 before leaving the UK and some would still leave their computers and smartphones powered on near the bed. I think it's the same with some users: they just don't learn and never will (I have another theory that states they don't want to learn anything about computers and that it should magically read their minds but I always end up cursing when I try to explain it and besides it's not the point :).
