[scapbi]

It is almost impossible. Unlike in developed countries, where banks can offer some level of protection to customers, in third-world countries, banks mainly protect themselves. All responsibility is pushed onto users. Banks take no accountability, and the government protects the banks.

Let me give a concrete example. When money is transferred to scammer accounts, it is immediately distributed across hundreds of other accounts and moved out of the electronic system in under 30 seconds. At that point, everything is gone.