This doesn't justify putting all the responsibility on the innocent person whose money got stolen by fraud. The fraudster didn't get money from the innocent person. They got it from the bank. That should make it the bank's problem.
If the bank is concerned about fraudulent claims about being defrauded, that's just another case of them needing to improve their fraud detection process.
If the bank is concerned about fraudulent claims about being defrauded, that's just another case of them needing to improve their fraud detection process.