Can you show us that? Where the consumer is left with no money at all and bank does not take the loss.
Go Zelle someone and try to get the money back.
When I was "hacked" two years ago, their final hurrah before I finally got everything offline for a time, they sent zelles as much as they could and was able to recover it without any loss on my end.
I guess things have changed since it has not always been the case that the bank would reimburse you.
https://www.nytimes.com/2022/03/06/business/payments-fraud-z...
Yeah, I think it truly depends on whether you hit the send button or not. Since I was hacked, it wasn't me hitting the send button.