No kidding. Zelle looks so dangerous from consumer point of view. It is so easy to get scammed and almost impossible to be made whole. I am fine with Zelle if banking regulators require Reg E. The best part of Reg E: Since banks are almost completely responsible for fraud in their customers named, they take it very seriously!
Also channeling patio11 [1]: This is actually a pretty interesting ongoing experiment as to whether banks can opt out of Regulation E.
[1] https://twitter.com/patio11/status/1500993875627761666