How is it person to person if there's a 3rd party facilitating the transaction? Why should someone be guaranteed to keep the money if they got it fraudulently, with the victim unable to dispute?
This is not different from sending physical goods via mail: a 3d party is involved but you will be laughed out of the post office when you demand to return items you sent. And there is no guarantee too: authorities may retrieve your items, though chances are even lower when you send them overseas.