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Why do websites still suffer from OS injections if by default web-servers are not assigned a shell?

So even if there is some poor php written which allows a shell_exec() and that someone disabled safe mode on it, what exactly are the risks? Do admins just change the default group or are most attacks ...
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How does the ERAD device gain access to your personal bank account?

I am trying to get specifics on how exactly this ERAD device is able to access and withdraw from personal bank accounts. http://www.dailykos.com/stories/2016/6/8/1536190/-Oklahoma-has-started-using-...
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Default accounts shutdown, halt, and sync - still shipping?

I'm curious as to whether, and if so why, Unix and Linux distributions still ship with default accounts shutdown, halt and sync. Specifically (from a Red Hat document), sync:x:5:0:sync:/sbin:/bin/...