Earlier quoted context omitted.
You're making an assumption that doesn't match reality - vulnerability discovery doesn't work like some efficient market. Yes, intelligence agencies and sophisticated criminal groups might find 0-days, but they typically target selectively, not deploying exploits universally. The real threat comes from the vast number of opportunistic attackers who lack the skills to discover vulnerabilities themselves but are perfec…
Let’s imagine you found how to steal funds from a bank, best is to let them know that you are concerned (as a customer) for the safety of your own funds. If they do nothing after a reasonable amount of time, escalate to regulators or change bank. Then once they release information that some processes are changed: “thanks to XXX working at YYY for helping us during it”. You win, they win, clients win, everybody wins.…
Or you report immediately to the press, press reports, police secures bank building, investigates sloppy practices, customers win, you are a hero, inept banksters and robbers go to jail.