The difference being people aren’t regularly the victims of jerks getting into their Internet Banking and betting large sums of money on sportsball with their money. But they are victims of jerks transferring thousands into crypto where its out of reach of the classic financial system.
I do agree there should be some sort of opt-in flag that says “yeah bro, this account will transfer money into crypto. Let the transaction through”. But it should be very non-trivial to opt-in, also. Like a branch visit where a human can sound you out to see if you’re being scammed.