The good thing is ACH is traceable, but banks are supposed to do a test (it can be a zero value transaction apparently - some banks hide these, some show them).

Zelle is doing something even more interesting. It does seem that misrouted transactions are a thing, and there does appear that sometimes Zelle or the member bank can't reverse them. So, when you add an email or phone number, there is some sort of check verification happening. What this means is that before you send the money, it will sometimes tell you the name of the person attached to the destination if your address book entry is not similar. This is pretty imperfect and might be an identity leak actually, but the desire to have frictionless transfers with some sort of protection is causing some of these issues.