If of course the bank was proven responsible. It is unfortunate that some people are not totally up to speed with online banking, and others are easily drawn into what sounds like its too good to be true. It is also very easy to input one wrong figure on the bank App, and the money is lost in many cases. QR codes are not as secure as they could be, and auntie Joe who is almost blind without her glasses, is as much to blame as the bank.
Yes, these are things which should be checked before making payment, but even with cash, people make mistakes.
Then again, there are people who are not as smart as the average bear!