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I think wire transfer to personal accounts the user has in banks is safer an better. Specially for those that have debit cards. 

its a good idea in general but scammers learn to make fake accounts, remove the money and closed the account. Leaving the banks to refund the money or not care at all.

you can do the very same with paypal, you know?

Yes ut you can't keep making the same identity, paypal will know what you did and has records.

you can't either make up identities in a bank; which is even harder than you may believe.

Thats the old banks, now a days we have what many called "Direct banks". Ally Bank, Capital One  and Discover Bank are of the more bigger ones.

then just restrict them to regular banks, which can be done.