The scamming problem is a fault of the government. It's trivial for a national government to make rules forcing banks to become able to reverse wrongful transac

The scamming problem is a fault of the government. It's trivial for a national government to make rules forcing banks to become able to reverse wrongful transactions. That'd stop scammers cold. If your government doesn't do this, and instead transfers the responsibility to the client, it's because the government doesn't care for the people.