You would be the one that is wrong, "PROBABLY A LIE" you say? well get your facts straight! friends and family payments CANNOT be reversed.
I could show you some proofs that what you're trying to sustain here is totally wrong, because I met some scumbags in my entire activity. But...we all know already what you're trying to do here. So cut the crup with "CANNOT" because they "CAN DO"!