On MtGox at least the name on the sending account has to match that of the receiver also, from their documentation.
So Dave Smith can send to Dave Smiths' MtGox acct - but John Anderson can't be conned into sending funds to Dave Smith's MtGox acct
If BTC's can be withdrawn that doesn't necessarily help. An account can be made quickly, in any name, so matching the name of the sender of the bank funds won't be too hard for the dedicated scammer.