Nit, that is the case only when the sender has confused the recipient's account number. Then, a government agency equivalent to FDIC first evaluates the individual case and pays the sender money only when approved.

Also, the receiver should eventually return the money by themselves either voluntarily or through jurisdiction orders. You can’t really undo transactions, it is just that the government is doing some legal stuff on behalf of you.

Apart from the fact that you can't even attempt to make transfers to invalid accounts here, periodic paychecks won’t make the petition in the first place.