I've read many articles about people who were scammed, and the bank refuses to give them any money back, on the grounds it was the fault of the customer to get

I've read many articles about people who were scammed, and the bank refuses to give them any money back, on the grounds it was the fault of the customer to get scammed. So given banks have nothing to lose by scams, I suppose that explains why they just don't care about the fact they're training users to ignore them. The bank just does whatever's easiest for it, which in this case is just to call the customer.