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Uh, but you could be just bullshitting because you don't want to pay and they don't want to waste their time following a line of bullshit and asking questions at the bank.
If you sent someone money, it's kind of your resposiblity to "put it in their hand".
Otherwise, you didn't pay.
So your original question about someone "losing" something doesn't apply here. They can't lose something that they never got.
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Done.
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