I think there’s a spectrum of what is and isn’t plausible, and when you are and aren’t a genuine victim.
I absolutely believe that there is a scam out there for everyone and that no-one is infallible, and I am someone who is suspicious of everthing which sounds a bit out of the ordinary.
But it’s easy to see how someone could e.g. fall for the “we weren’t able to deliver your parcel” scam for instance, especially if you’ve been expecting a delivery for instance.
But equally there are scams out there which are either so implausible, or so well-known that nobody should be falling for them.
And let’s be honest, some of those are based around greed not genuine gullibility or innocence. And some absolutely are based around stupidity.
So e.g. “I am a Nigerian prince, and I need to escape from my country so will you help me push my millions through your bank account and I’ll give you millions in return.”
Total scam and nobody should be falling for it.
Similarly giving money to someone you’ve never met making up some stupid life and excuse. It might start with loneliness, but anyone who believes that they’re giving money to Brad Pitt who is desperately in love with them, or that they’re dating someone who has been detained in a Turkish prison on their way to make their future with you is an idiot, and the banks are becoming less and less sympathetic to it.
Similarly the gift card scams. The police often become involved now, and if the person refuses to acknowledge they’re being scammed they can have their accounts closed.
In the OP’s case I don’t imagine she’s as innocent as she claims. That’s not to say that I think she’s involved in money laundering, but she was almost certainly offered something in return for pushing this money through to moonpay to buy digital currency, and the reason why she fell for it is because of how much she will have been offered to do it. And now having tipped off the scammer or part of the scam ring, i.e. her friend, she’s made herself look even more complicit.
These scams absolutely aren’t being done by AI at the moment. While it’s possible to create a voice profile of someone, the vocal process isn’t yet developed enough to be plausible. Equally you would need to know a lot about someone’s relationships to be able to do a plausible impersonation enough to get them to agree to launder money for them.
While we need to acknowledge that AI does play a part in many scams, we also need to not lose sight of the fact that humans are very much still involved, and willing to participate and run these scams, because to lose sight of that means that more people will get away with it. “My friend would never….” Etc.
OP’s friend is clearly a crook who has likely been sucked into this through greed of his own. It’s almost like a pyramid selling thing, and now he’s involved the OP as well. And the more people become involved, the more of the little people such as the OP become the scapegoats while the people further up the chain carry on getting away with it.
OP needs to cooperate with the bank.
She needs to give them all her friend’s details, and then she needs to block him and have nothing more to do with him. The friendship needs to be over.
He’s dragged her into this, let him pay the price for it.