Learn English: Banks and the Zelle Money Mystery! (easy)

Imagine a game where bad guys trick people into sending money using Zelle!

The government tried to make the banks give the money back to people who were tricked.

The banks said it wasn't their fault because people sent the money themselves, even if tricked.

So, the government decided not to fight the banks anymore, and it's a big mystery how to stop the scams.