In places where we have that the scam is just money for transport, utilities, or whatever. Something has happened which means they cannot access their money and

In places where we have that the scam is just money for transport, utilities, or whatever. Something has happened which means they cannot access their money and make the usual payment. We actually had an experience with a bank fraud team recently and they relentlessly ask over and over "is the recipient in financial difficulty?". They're not passing judgement on them but trying to work out if you've been convinced that they are and you need to send them money [urgently] to help.