most scammers are based in countries e.g Cambodia, Burma under the protection of corrupted politicians and enforcement agency. Scamming generate billions USD income every year. When comes under pressure, these countries will arrest and deport some low ranking members for a few weeks then back to normal.

Bnm may instruct banks to delay abnormal or unusual money transfer by 24 to 48 hours. But will create inconvenience to most bank customers.

Scammers are unlikely to stop until u.s or prc exercise their military muscle or regime change.

Money lose and earn over time is fine, for me it's not the money. It's the damn credit card companies wanting to you settle the outstanding asap. That's the headache for me.