In my country, if the bank makes a wrong transfer then whoever the beneficiary will be contacted by the bank to ask for the money back if the beneficiary has withdrawn it from his bank account. In some cases the bank can immediately withdraw the money back from the beneficiary's account, I've had this happen. But why didn't it happen to the person when the bank had the power to withdraw it sooner?

In the first case, the bank and its employees are guilty of sending to the wrong account. Second, the recipient may not use the money if it does not belong to him. In my opinion, the money should be returned, but in this case the bank must also understand the financial condition of the ill-fated man. But how stupid the man was, he just didn't know where to spend that much money to be of use to his life.