[bsder]

> Some much for freedom of choice. We the state, decided that you can't be trusted with making decisions about who to transact with, so we mandate that you use a transfer service with arbitration/escrow so you won't be financially harmed.

You say this like these regulations magically just appeared fully formed from the head of Zeus ...

These regulations exists precisely because the fraud was rampant enough that it became a sufficient threat that people would quit using the financial system altogether.

[xboxnolifes]

People already have the option to not use zelle. If you want payment protection, use a service with it. Sometimes I just want to easily send money to friends/family without transaction fees.