Thanks for the feedback. Those examples are meant to cover the first point. The problem if you are a bank is that scammed people can be very persistent about t

Thanks for the feedback. Those examples are meant to cover the first point. The problem if you are a bank is that scammed people can be very persistent about trying to reclaim their money. There's a cost to the bank of dealing with a complaint, doing an investigation, replying to the regulator, fielding questions from an MP, having the story appear in the press about the heartless bank refusing to refund a little old lady. It is entirely rational for them to decide not to bear that cost - even if they aren't liable.