I wonder about a few things.
Is it safe? I'm pretty sure everyone not carrying cash is very good for physical safety, but can someone be coerced into emptying their bank account at knifepoint?
Are there scams? Can stolen money be retrieved?
Given the dimension of Pix, I never heard of someone losing money directly because of using it (for example, here in the past was common to see where credit cards were cloned)
> can someone be coerced into emptying their bank account at knifepoint?
There are limits of use. Banks have different settings for limiting the amount of money that will be transferred in different situations, like when using their apps outside a trusted network, at night, etc
> Are there scams?
Just like any other payment method. I dare say that it is even safer, as some banks (e.g. Nubank) alerts if you are trying to transfer money to a suspect account.
> Can stolen money be retrieved?
Perhaps if you contact the bank, but as far as I know it is not a feature :-(
Cryptocurrencies are full of scams because you can't put the money back, and some are anonymous.