[taway32r41]

I don't think that one can't add security and verification, etc. I think the issue is those things are not free and it is supposed that adding them would just transform Zelle into something more akin to a credit card, which we already have.

In your example it seems you did actually send it to the school. The problem was an additional party also had access to school accounts, even if old. To me that's equivalent to a former employee having an illicit copy of keys to the till and stealing cash from it in the off hours. Police would probably treat that crime similarly.

At the end of the day the police have to prioritize their resources too. Technically they could "do" things. But is it worth the cost? When it comes to petty crimes it seems mostly the answer is no, and I have to agree. Even when I had my own phone pick pocketed. It sucks but life goes on.

[stephenhuey]

I agree with you. It was just fascinating to me how in hindsight I couldn't access the full digital trail of those funds and other people wouldn't just reveal it to me on account of privacy. As other people have pointed out, the courts would be needed, because even though I showed them evidence with some screenshots, etc, I suppose I could have fabricated those to cause trouble for someone.

[KRAKRISMOTT]

The cops don't care enough to do the paperwork and get the subpoenas. Next time suggest that the ex school employee is a terrorist. The KYC compliance and financial crime divisions won't get activated if you don't push the issue. Your average city cop just doesn't give enough of a damn. The paper trail and financial surveillance systems are there, you just have to make them pursue it.