If it is money and sent the wrong account, there is a rule that the bank cannot withdraw the money, and the wrongdoer cannot sue the recipient.
Nope.
In almost all cases the person who receives the money mistakenly and spends it is prosecuted for knowingly spending money that isn't theirs.
Of course with crypto this may not apply but it certainly does with banks.
That’s right, banks come with fraud protection that returns your money to you and in the U.S. $250,000 of FDIC insurance should the bank fail. You can’t even lose money when the bank goes out of business. When you make an overseas wire transfer it’s fully insured.
Cryptocurrency has no protections. If an exchange closes in the middle of the night, you lose. If you send your coin into the either, you lose. If you get hacked, you lose. If you send coin to an online business for a purchase and they don’t send your product but still keep your btc, you lose.
With fiat banking the criminal/scammer/conman lives in fear and his victims are protected.
With btc the user lives in fear and the criminal/scammer/conman is fully protected.