I see. There is a possibility that some swindled payer might see the matter differently, though, and sue you and the swindler, together, blah blah "jointly and

I see. There is a possibility that some swindled payer might see the matter differently, though, and sue you and the swindler, together, blah blah "jointly and severally" blah. I assume Venmo spends real money on fending such lawsuits.