I am not the victim, nor a participant in fraud in that situation, the bank is. Maybe they should follow some steps and not give out money to randos that walk in and ask for it?
Going to a branch physically is impractical these days - how many of us have even been to a branch that houses our brokerage or 401k accounts for instance? And so many mainstream Fintech apps like Stripe and Robinhood don't even have branches.
2. If they are stupid enough to lend/send money to random people over the phone, that's their problem.
3. If they don't have enough branches open to support in-person services, which forces them to turn to over-the-phone work, that's their problem.
There's many other things they could do. Snail-mail identity confirmation, partnering with FedEx or another bank whomever to attest identity, etc, etc. It's not my problem if they are too cheap to operate branches, and too lazy to do any of those things, just like it's not my problem if you keep a chest of gold coins in your unlocked shed, and then go on to tell everyone about it!
And yet, it's totally your problem.
All of our opinions on whose problem it should be, are worth nothing.
But you already knew the answer.