> Moving the cost of the scams onto the banks will strongly incentivize them to prevent the scams.
And then less people have bank accounts.
The scammer isn't necessarily the person with the final bank account. Its often somebody who was told they're managing payroll for some made-up company and they're going to get a 2k transfer and to keep 500 of it and withdrawal 1.5k of it as cash to do payroll.
While you may think that now only people who aren't scammers won't get bank accounts what actually is happening is that anybody that can be fooled doesn't get one.
https://www.bitsaboutmoney.com/archive/optimal-amount-of-fra...
Doesn't that already happen? I've read stories from people in the US who are fooled, and as such, are marked as high risk and have their accounts closed. The rate it happens might be greater, but the total increase in harm from fewer people having bank accounts due to risk of scams might be less than the harm reduced by fewer people getting scammed. If scams are reduced enough, the number of people having bank accounts might go up because less people are losing them after being scammed.