Dating App Scams

Until reading this I was under the impression that wire transfers were guaranteed funds. Nearly everyone’s heard of wire transfer scams where a scammers gets you to send funds and then it’s almost always irreversible/you’re screwed. But I didn’t realize you could receive a wire transfer and the bank could find it’s fake months later and remove the funds. That’s insane. Good to know for the future, but how then does one receive guaranteed funds? Cashier’s Cheque (or can those be found fake after deposit too?)? Is receiving something like Bitcoin/Ether the only way to guarantee funds are real? If you don’t trust the source what non-crypto mainstream financial transfer tools can you use and be guaranteed? Are PayPal funds guaranteed?

This is very, very sad. It is an extreme example of how when society moves away from in person communication it becomes meaner. When you remove the in person element people start acting much worse to each other.