It strikes me that Zelle is basically repackaging of wire transfers. And banks have always been reluctant to reverse wire transfers. Because, I think, they're intended to be irreversible, and executed between knowledgeable parties.
But, banks are not allowed to mess with your funds. If it's in you account, then it's yours. It would be illegal for a bank to simply reverse a transfer. Crooks are protected by the laws as well.
Even if some obvious mistake was made at a e.g. payment provider and funds were wired to the wrong bank account, your bank has to send you a letter asking for your permission to reverse the mistake. Reading a batch file twice is a nice example: You get two credit entries, but the bank is not allowed to reverse one.
What happens with smaller scams is that crooks withdraw funds as soon as they've been booked. So most of the time the money already is physically lost before a (legal) claim arrives. So there's that.
Don't people read? It's on Zelle's website "send money in minutes to your friends and family". I also asked my bank about that and got told there's no protection unless somebody hacked into your account. Yet, if you sent the money, it's your responsibility.
Nonetheless, I do accept Zelle for payments and also pay for goods BUT I know the people I deal with and it's mostly below $100. You can check out this link below. https://www.zellepay.com/support/im-unsure-about-using-zelle...
BTW: PayPal really sucks if you receive a lot of personal payments. I got my account frozen because PayPal got nosy and wanted to know more about 15 transactions. It took me a while to get my account unlimited. So, that's why I use Zelle for personal payments and use PayPal only for purchases. I would ditch PayPal but I don't have any option for now.