[isanengineer]

Agreed. I'm being hyperbolic when I say "do not ever use Zelle". I'm sure it's fine for passing money between friends. It's just that my version of the $40 lesson had a few more zeros on the end, and so stings a bit more.

For me I only use Venmo because that's what most people in social circles use. If they used Cash App or Apple Pay, I'd use those instead.