Once the money is moved, the loss has happened. That's precisely why my focus, both in my opening remarks and a few times today, is on how we need to focus on the prevention intelligence sharing. Once the money is moved and you're into recourse territory, there is room to optimize on the receive side.
I don't mean to be dismissive of it, but you've already missed the primary point, in my opinion. The opportunity is to stop it leaving the account in the first place because, for every one of these horrible stories, even if it has some form of happy ending, the amount of time that it takes today for that to happen has an outsized impact on folks.
That's precisely why we are saying to focus on the preventative aspect of it. Follow the models of other jurisdictions that are getting it right and are seeing the results of it.