How do you propose your bank tell the two situations apart that I mentioned? Your bank should not be considered the owner of your money. If you want to send yo

How do you propose your bank tell the two situations apart that I mentioned? Your bank should not be considered the owner of your money. If you want to send your money somewhere, you should be able to do so because it belongs to you. If you later regret that decision, for any reason, you should certainly be able to request your money back from whomever received it, but why should the bank be the one to pay you back?