> the network charges fees to help cover the cost of fraudulent transactions I don't see a problem with that. If fraud is rare, the fee would be small. If frau

> the network charges fees to help cover the cost of fraudulent transactions I don't see a problem with that. If fraud is rare, the fee would be small. If fraud is not rare, then there's a problem they should fix. For every 100 Zelle transactions, how many are due to fraud or scams? Maybe three or four? Then the fee should be 3-4%.