I know it's the massive exception but I was reimbursed when the exchange that tried to rugpull its users felt legal pressure. Things have changed slightly over the years - don't get me wrong, scams are still rampant.

It's been ages since I was in college and had an overdraft or some other bs bank related fee, but the bank manages to 'scam' you legally too. I'm just playing devils advocate and sharing an anecdote, I'm minimally involved in crypto anymore.

Zelle is ultimately a bank transfer. Yes they say to consider them like sending cash, but a bank transaction is at least tracable to a real account owner, who could then be pursued in the case of fraud, and it well might be reversible if push came to shove or if there is documented fraud.

Go Zelle someone and try to get the money back.