Scammers prefer payment methods and actions with no rewind button. Gift cards read aloud over the phone. Wire transfers to a bank overseas. Cryptocurrency sent to a wallet address. Cash stuffed in an envelope and handed to a courier. Packages dropped at a shipping store. Remote-access software installed on your computer. Forms signed and notarized. Each of these has a moment after which nothing you do brings the situation back.
Banks and real businesses live on the other side of this line. Credit card charges can be disputed. ACH transfers can be recalled within a window. Checks can be stopped. Returns and refunds exist. If the person on the other end is steering you away from any method with a paper trail and a reversal path, ask why. The honest answer is the one they will not give you.