First of all one never should buy from FB , Tik tok , It's still the peoples fault they are Gullible, Same as with Loan Sharks, that's a Giant Scam and that cost people Everything that they have and more.
Not much get done about the Thousands of Small Sharks.
the Buyers Bank doesn't know if they pay a scammer or a Legit Person they only can know if the Buyer or the police informs the buyers Bank but saying that the Banks could help if they wanted but that's too much trouble for most of them.