Agreed. That's why the fraudster's should be tried Using the bank records as evidence.

When someone opens an account in one's name, that's fraud on the bank, and the bank needs to pay for it until squeezing it from the scammer. When someone convinces one to send them money under false pretenses, that's on one and one needs to pay for it until squeezing it from the scammer.

But are banks responsible for fraud? Should one make a criminal report and get your money back in a court?