A one-time pad is a kind of unbreakable encryption. For most encryption, breaking it is a matter of throwing a lot of computational resources at the problem. Typically, the amount of resources needed greatly exceeds the amount that is practical to obtain, so most modern cryptography is secure enough. There are, however, some downsides to modern cryptography, the biggest of which is its complexity. If we want to use crypto for something like bank transactions, complexity is not that big of a deal, because centralization can hide most of the complexity from end-users. But if, for instance, you need to implement secure communications without a centralized certificate authority, effectively implementing secure communications becomes a lot harder.