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id like to think its heavily dictated by which bank you choose to bank with. im at a credit union, where they very rarely reverse charges (unless its legit fraud you didnt willingly participate in). they make you sign an affidavit and everything, they dont just take your word for it.
their reasoning being, you signed up for zelle and accepted the terms and conditions, therefore you can try to deal with zelle. although we all know this translates to 'youre SOL'.
person who scammed you could easily say 'X person owned me X amount of dollars, thats what this payment was for' and get away with it because its zelle.
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