Good day, I'm curious to understand the process surrounding bank refunds for victims of scams involving cryptocurrency transactions. When a customer falls prey to a fraudulent scheme and funds are transferred, is there a standard protocol banks follow to reimburse the lost money? Are there any specific conditions or limitations that may affect the likelihood of a refund being granted? Additionally, how does the bank's approach differ when dealing with scams involving traditional financial transactions as opposed to those involving cryptocurrencies?