One solution that would seem practical to me would be for banks to set up domestic only accounts.
Most scammers are offshore, and, for most of us, we would never have a reason for a foreign financial transaction (Canada possibly exempted).
Would be easy enough to put a default restriction on accounts to limit the transactions to domestic accounts only unless additional steps are taken to override.
Make that “outgoing foreign financial transaction” above some limit, to any “suspect” country, and I believe it would help a lot. It could be a service banks are required to offer, instead of one they are forced to include.
A foreign (family) friend is actually loaning my relative a little emergency money, so, one doesn’t want to make that (incoming funds) TOO difficult. :-)