[starbugstk]

The scammer is a very smart, very intelligent purrson who uses his brain to cheat, steal, scam.

If flower goat does not want to drink, the scammer will not force its head down. It will tempt the flower goat to itself wants to drink. How? Offer big discounts, offer investment returns which are too good to miss. Limited time, limited edition.

Tempt peepur at their Archilles Point: GREED.

But flower goat is smarter than scammers everyday, not just today 

What really saves him however is that he is not greedy. So scammers cannot tempt him lor. 

Knnbccb another rubbish analogy.

and what the fuuck is this? Tempt peepur at their Archilles Point: GREED.

It's Achilles heel ... a weak point to attack during a fight and you don't use for greed asshole!

If even without the physical token, the scammer can simply use malware to fool your bank app and transfer money out, then what's the point of bringing it back?

I would rather consider facial recognition as a 3FA but even that can be copied if you have a habit, as a huge number of peepur do, of storing their photos in the phone.

There are no easy solutions. Scammers are not lowly educated petty pickpockets who if lucky might pick a wallet with $300 in it. Scammers are highly qualified IT peepur... and it's really not easy for the banks' IT Department. I think we also should exercise some amount of caution.

To lay the entire blame at the feet of banks as you seem to be doing is like saying that your wallet was stolen on 24 December when you were partying on Orchard Road all because the police were not doing their job.

To lay the entire blame at the feet of banks as you seem to be doing is like saying that your wallet was stolen on 24 December when you were partying on Orchard Road all because the police were not doing their job.

Knnbccb! What kind of analogy is that? You think the police force is deployed at Orchard Road only to look after your wallet? Only a senile old man like you would blame the police for that. Police are deployed basically for crowd control and to maintain peace and order. The bank on the other hand is responsible for the money you deposited that's why they are kept in their vaults and locked for our safety and it is contractual. Are you so fuucking dumb and unaware that there are many documents to read and sign when opening an account with a bank?
Knnbccb go and do something you know best like fuucking your mother or granddaughter instead spewing crap here!