I appreciate that the OP calls out his bias towards bank mismanagement and "the system". Scammers (like this one) are using the stereotype to run their scams. A

I appreciate that the OP calls out his bias towards bank mismanagement and "the system". Scammers (like this one) are using the stereotype to run their scams. Are bank systems often disjointed bureaucracies and less than stellar examples of best practices? Absolutely, but scams are so common now I believe it's time that we accept them as the default conclusion until proven otherwise.