And yet even with an essentially centralized service like Zelle, the system is rife with abuse: https://krebsonsecurity.com/2022/10/report-big-u-s-banks-are-sti

And yet even with an essentially centralized service like Zelle, the system is rife with abuse: https://krebsonsecurity.com/2022/10/report-big-u-s-banks-are-stiffing-account-takeover-victims/ https://krebsonsecurity.com/2022/10/report-big-u-s-banks-are...