BofA/ML appears to have default limits of $15k/day for wealth management clients, and $25k/day for private bank clients, though there is a footnote stating that limits may actually be higher depending on the client. So at least for BofA/ML, they seem to essentially make higher transfer limits dependent on how much you're paying them in management fees.
Do you have a business account? I have a $1500/day limit. Looking it up it seems like for popular banks it tops out at $2500/day, and some go as low as $500/day.
How privileged is it to say that a $1500 loss is "hardly worth noting"? Median take home pay is under $45k, so that's more than half of the median paycheck gone in a single mistake.
Obviously for an individual person it can be bad, bad enough to cause problems that take months to solve, but not lose your life savings and retirement bad. The report identifies a few hundred million dollars in losses but my point is more that for instance there are single "pig butchering" case losses in the millions (and totals in the billions, which is likely an underestimate because some people feel too ashamed to report to ic3.gov) and not much is being done in the way of educating people on how to avoid being swindled.
The highest available limit I can find is $5,000 per day, and that's limited to private clients and businesses:
https://www.gobankingrates.com/banking/mobile/zelle-limits/
Common limits vary between $500 and $2,500 as you can see.
I've never heard of anyone being able to use it to send $10K in a single transaction, so it would be very helpful to know where you can do that.