I informed the bank of my mistake and he got repaid.Point being as @Casey Powers stated, electronic payments can be reversed outside of the 60 day window.

Most do not realize the moment they get financing the mortgage/deed of trust is recorded and you cannot sign it "anonymous" or if you use power of attorney, you need to record the power of attorney and you cannot sign that "anonymous".I am curious, why do people want to remain anonymous?

That last part is a powerful question that Puts a lot of perspective into keeping a home or not. 

Collecting ID and CC pic has eliminated UNTIL now we realized some scammers had used AI to generate the CC info onto a generic CC pic and also used AI to generate an ID.  

She was told by our local power company, PPL, that our meter base needed to be upgraded, THEN they could put her meter in (there was no meter in her unit because the previous tenant moved and it has been unoccupied for a few months).

A lot of analytical numbers brains out there prefer to see this data side by side but you need to also look at the invaluable "intangibles". 

For instance, if your rent is $1000/Mo and the annual inflation rate is 5%, the buying power of $1000 will decrease to $950 next year.

Also I really liked the AI search example @Carlos Pirtran did.  

Small slivers of land, lots too small to build on, no water, no power, landlocked, flood zone, dump sites, no sewer, but too small to add septic, around where I live counties require a certain amount of road frontage so people won't put mobile homes, so you can buy OTC without the required road frontage and lot could be more or less worthless....can't build on it,  and all other kinds of issues. 

A frustrated sister of mine who was her self appointed power of attorney is angry with me taking care of mom - so using her 32 years of legal secretary experience - to illegally become power of attorney she files a lawsuit to get me evicted claiming $2300 rent due for past 19 months = $43000 - it was overturned for many reasons.