Same statement could be said about you no?

You're the one that was defrauded. The bank processed the transfer exactly as you told them to. So therefore, if person X isn't providing the service you expected then you should have to go to the courts to get it back?

The general problem is that it takes a lot of leg work. Often Customer X was being defrauded through some payroll scam (they take out ~500 and forward the remaining 1500). So now you have to recover $500 from them and then trace the 1500 again. Possibly through multiple countries and their courts (who may see this as beneficial for their country; jury nullification goes both ways).