If your money app allows you to be scammed with no recourse to pull back the funds, then as a customer in a free market where better fraud protections exist, yo

If your money app allows you to be scammed with no recourse to pull back the funds, then as a customer in a free market where better fraud protections exist, you are going to consider that app to be scammy. This is marketing not moral reasoning, and as customers, please encourage other customers to have a low tolerance for being blamed for fraud.