There is no free lunch.

Plenty of people complain about the delay in sending cash digitally. Or Paypal siding with a buyer and the seller having their cash pulled back automatically because the buyer lied and said they never got it. Or money being tied up for months as resolutions to disagreements are verified.

Either you accept a bunch of controls to reduce fraud (and all the complexity and delay that goes along with it) or you get instant, irreversible payment transfers.

Your choice.

Yeah, just like cash. Are you saying cash has no place in society? Certainly not I'd imagine - it has plenty of upsides. You just have to understand the risk model and what you can and cannot do with it.

Because using Zelle to transfer money to someone who is not in your immediate physical vicinity is safer than putting an envelope full of cash in the mail?