Exactly what title says, why is there no way to recoup zelle definitely or wire transfer(maybe?) but if banks send money to wrong person there are severe penalties for not returning.
In: 650
There is a problem with your premises:
> If I Zelle the wrong person, I am straight SOL.
This is not necessarily true. Zelle is currently under active investigation for whether its (in)action in these cases is actually legal or not. [Example source](https://www.warren.senate.gov/oversight/reports/new-report-by-senator-warren-zelle-facilitating-fraud-based-on-internal-data-from-big-banks).
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