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I have my money parked at various (legitimate) financial institutions, and I don’t personally know any individuals who work there. The marks do not think they are giving money to strangers, they think they are depositing it into their own account and assume the app corresponds to a real brokerage because it is listed on the Apple App Store (per article)

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Do the people at those institutions text you as if you were someone else and then say "oh I like meeting new people, what's your name"?

Victims often aren't wiring money to a stranger, they're depositing funds in their own investment account at an institution, merely based on advice from a stranger. Or so they think.

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