This is true for most payment apps, to be honest. Buyer protections are limited without using something with transaction fees, like a credit card or PayPal good

This is true for most payment apps, to be honest. Buyer protections are limited without using something with transaction fees, like a credit card or PayPal goods and services. The only time you’re using these apps for payments to unknown 3rd parties is buying on the used market. For local buying, you meet in person, in which case Zelle is fine since you can see the goods. For remote buying (like r/hardwareswap), you’re supposed to use something with protections like PayPal Goods and Services, or /also rely on the platform. There are phishing scams associated with PayPal too, for example.