I wonder if banks will step up and start providing protections. I am not really sure how protections work on PayPal in these scenarios. How does PayPal decide i

I wonder if banks will step up and start providing protections. I am not really sure how protections work on PayPal in these scenarios. How does PayPal decide if this is a scam. And if PayPal decides to return money who bears that charge in case scammer already takes the money and closes the account?