Yes, they can. They can make the correct use case clear on their website and in their UI. A warning could be added when sending payment that there is no fraud protection.
I blame both the banks and Zelle for implementing this poorly.
I blame both the banks and Zelle for implementing this poorly.
Why do we let people get away with such crappy ideas, and then just blame users or implementers (UI designers, in this case)?
https://www.paypal.com/us/selfhelp/article/What-are-the-fees...
> There are no fees within the U.S. to send money to family and friends when you use only your PayPal balance or bank account, or a combination of your PayPal balance and bank account.
There is scam where sellers will request select friends-and-family payments both to avoid the fee but also to avoid the protections.