[nevdka]

IMO, it should be the bank that receives the money that should have to pay. Banks (even small ones) need to know their own customers, and they take on the risk of not knowing them well enough. They can impose verification rules to stop typical scam behaviour, at least up to the level of risk they're comfortable carrying.

[_8j50]

KYC sucks, the fraudster is responisble not anyone else. You wouldn't say the same thing about ISPs or CDNs transporting harmful content right? You pass the buck as a burden to the public instead of finding and punishing criminals.