"It seems it's just too easy to fall for these kind of things these days."
Only if you're gullible.
The perpetrators of these scams are utter irredeemable scumbags of the highest order, but I really do struggle to have a great deal of sympathy for people who voluntarily provide information.
Instant transactions with online banking are great and very convenient, but I do wonder whether instant transactions on personal accounts should be quarantined for, say, 5 days before they are actually paid over, but I can see this could/would cause issues for legitimate payments.
The banks are usually blamed for for scam payments for allowing the payment to be made - but where all the correct information is provided for the payment to be made, what are the banks meant to do? Refuse the payment? Phone the account holder every time? The former is nonsensical and the latter is impractical.
I don't know the answer from a bank's point of view.
The only way to stop, or at least reduce people becoming victims of these scams, is for people to wise-up a bit.