State Bank Of India [SBI] — Real reason behind fake error ' invalid login attempt'

Sbi online flashes 3 invalid attempts error even when correct credentials are put in:

I have concluded this could be owing to one or more of the following reasons:

1) proper quality assurance tests were not done on their website and they are trying to make up for it by the only way they can. By locking the customer out of his account.

2) this bank is heavily leveraged (Bad debts, scams, bureaucratic corruptions and red tape) and is sometimes short on funds on certain days and this is one method they may randomly employ to reduce cash outflow on high value accounts etc.. They can do this by preventing certain customers from banking online through locking them out of banking access for a few days through such invalid attempt errors etc.

3) i worry that one of these days that this bank may go belly up or become a victim of a major hacking scam (Like the one that happened on the bangladesh bank) thereby forcing most customers with an decent size deposit amounts to take a big hair cut. (Meaning the govt banks will take the spoils and write off the bad debts of their business cronies)
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