Even banks find it hard to recover: https://en.wikipedia.org/wiki/Bangladesh_Bank_robbery

Caused by an account take over? This is letter of the law stuff and something bank (and other financial firms) employees receive specific training on. The customers loss is capped and their bank is on the hook.

For inter-bank transactions involving a scam that causes the customer to “voluntarily” send money it depends on the rail. But US ACH rules cover reversals due to fraud and have pretty substantial rules about it.

Usually how it goes is if someone hacks your account or steals credit card info. You get refunded. If a scammer convinces you to willingly send the money, you’re out of luck.

The truth is that banks often have pretty bad security and customer service, but the risk of getting caught after stealing crypto is virtually zero when compared to scamming someone’s bank account balance.

Because the scammers are instructing victims to use methods that are difficult or impossible to reverse, such as gift cards or cryptocurrency.