Money wires are different, all the action is sender side. Even for me, Fidelity accountholder, a SWIFT money wire takes days to set up and I have to confirm it multiple times. I get the impression the bank hates doing them and will throw as many roadblocks as possible unless you are absolutely committed to it.
>The company committed bank and wire fraud. They’ll get dealt with by the secret service and FBI.
And:
>Our banking system is trash but it’s not lawless.
My experience is directly counter to that, given that it was a non-investigated wire fraud despite being blatant and the money going to a known local address/account. Saying that ACHs are better doesn't correct those overstatements of yours.
"Wire transfer" could be either Fedwire or SWIFT and it is not reversible.
See my downvoted follow-up reiterating this obvious point: https://news.ycombinator.com/item?id=24009403
Also, since this is HN: no, Bitcoin or other crypto "transfers" are not reversible.
The company committed bank and wire fraud. They’ll get dealt with by the secret service and FBI.