Seems scammers will always find ways to exploit weaknesses in the traditional P2P banking system.
Just want to make a small clarification. There is NO SUCH THING as “traditional P2P banking” - Regurgitated payment gateways that portend to be the next FINTECH unicorn are simply redressed dog and pony shows, smoke and mirror trickery.
Legacy payment networks never were and never will be P2P, they are more like Person to first gateway clearinghouse, to second gateway clearinghouse, to data aggregator, to account correlation, to third gateway clearinghouse, maybe to a person but entirely reversible easily stopped, blocked and/or stolen.