As an individual, my first concern isn't whether the bank/company/whoever got fooled by scammers is eventually made whole and/or the fraudsters are prosecuted: I just don't want my identity to be that easily forgeable in the first place!

And that would solve the larger societal problem too: Make identity theft much more difficult and there won't be as much need for zero-liability provisions, a dispute mechanism for fraudulent credit record entries, law enforcement chasing perpetrators (which is often futile if they're abroad and using unwitting accomplices/money mules) etc.