[Aachen]

Getting scammed is a problem but it's not super common and the banks have a policy of refunding the money. Society bears the cost that way, and has the incentive to prevent and educate, rather than that it ruins some individual's life

[solardev]

The banks where you live, you mean? Here they won't care, once you send it, it's gone forever even if it was a scam.

[Aachen]

Exactly, in the context I mentioned in the post above