NOPE, I KNOW THE DIFFERENCE.
I've never had to run Java applets for banking. And I'm not into stocks and trading. But for managing my bank accounts online, I've never had to use a Java applet.
I have had the "Enable Java" in Safari Preferences off for a couple months now (at least). That's the plug-in, btw. You can go to the "Help" menu in Safari and select "Installed Plug-ins" to see that Java plug-in. But I'm sure you already knew that.
Plus, if you go into your file system to "Library", "Internet plug-ins", you will see an icon that says "JavaAppletPlugin.plugin" and there is an arrow on the icon. The arrow means that the plug-in is disabled. But I'm sure you already knew that.
However, you really don't need to de-select the "Enable Java" in Safari since:
HT 5493: "This update uninstalls the Apple-provided Java applet plug-in from all web browsers. To use applets on a web page, click on the region labeled "Missing plug-in" to go download the latest version of the Java applet plug-in from Oracle."
But I would have it de-selected anyway.
I think you are confusing what you think you know with what you think I don't know...