The flip side is that zelle has always been equivalent to handing someone cash. You wouldn't expect to get your cash back after you handed it to a scammer in real life. But since zelle feels like a credit card transaction, people expect there to be safeguards built in, despite being told all along that once you send the money it's gone.

It's like the people who used to abuse the friends/family policy on paypal to cut out paypals fees and then were surprised when they had no buyer/seller protection, when they had to click through several messages specifically telling them that.