Then why isn't the user and you attacking that third party payment provider if they did a mistake? Stake can't do much about it when they don't even see the money. They can drop the third party provider but that's about it.

This is like attacking casino when they allow trump coin terra and they drop in value. Or if i use wrong chain to send tokens.
If i choose shady way to send my money is not their responsibility. Imho calling anything like this a scam is just making any other of your accusations seem baseless as well.