That would imply that if the bank loans me money, and then I deposit it into a fake/scam bank I can claim that I didn't know it's not them and get out of repayi

That would imply that if the bank loans me money, and then I deposit it into a fake/scam bank I can claim that I didn't know it's not them and get out of repaying the loan. But it doesn't work that way because I'm expected to do my due diligence. So should the bank. Not knowing it's me just means they have to find a way to guarantee that knowledge. Because the failure to properly identify a client is the bank's not the client's.