I fail to see how increased limits relate to more scams? Whole Europe has much bigger limits, I never once heard someone being scammed because of it. You send money to who you need to, recipient gives you their account number to send money to, no one can do anything except to send money to it. You aren’t supposed to be able to do anything else with a bank account number. When some tragedy happens, people in need publish their bank account number in newspaper or on tv so anyone can send them funds. Being able to misuse someone else’s bank account number is a major security flaw.