Ok, let's see this from a different angle.
Is it safe to cross the street without the pedestrian crossing?
Yes and No, chances you will get hit, or summon for breaking the law.

However, we take our chances where we can out of: convenience.

That's the keyword here, convenience.

So, doing your online banking via a non-encrypted public wifi, is just not safe should be avoided entirely.
Despite there's a https between the client and the server of the bank, still. Even worse, using a public computer via public network to access banking info is suicide.

It's nothing to do with Unifi, using Unifi doesn't quadruple your chances of getting attack.

If you're using internet banking via a 3G network, not 802.11x i.e. WiFi, you have less chance of being attack while doing banking. This is because, it is a lot harder, possible, but harder to sniff radio packets. That's the sniffing part, session hijacking on your smart phone, possible, but harder to do then session hijacking on your PC.

So, if you're doing banking on the go, better to do it via your browser in your smart phone via a 3G/4g network as oppose to using your laptop or smartphone using a public WiFi.

I've got news for you, SSL has been broken since 2009 .
It was presented at our local HITB, much earlier than that at Defcon, Ruxcon, KeySecWest etc.

Here's a detail technical explanation courtesy of Techrepublic: SSL Really Broken This Time

In South Korea, the government has banned the use of SSL for banking as it does more harm than threat.
Instead, Microsoft has to made its browser friendly to PKI and Korean government only mandates the use of Windows OS and IE.
Every time MS releases a new browser, South Korea needs a lead time for them to configure the PKI.

You don't have to be physically seen at the cafe' to use the wifi
No, it's still not safe.

Back in 2005, this company which sold a product called AirDefense which was later bought over by Motorola did a Proof-Of-Concept at a cafe in KLCC. He jammed the signal, all users got DC then allowed his PC to become the router, hence every PC that connects is actually connecting to him.

Online banking service provider like M2U, CIMB are always looking into beefing up their security, whether it's their user facing services like M2U or their internal servers etc. Fact is, the attackers works 24/7/365 around the world to find loopholes, and there will never be a 100% solid proof. Its always a who's on top of who first.

Meanwhile, users themselves have to take precaution, always always keeping abreast of whats the latest threat.