bank refunds are not where the bank just 'takes back' funds from a thief and put it back into a victims account
the bank uses their own reserve to compensate the victim. and then separetly they seek justice against the thief.
usually by freezing his account unless he can prove funds are justified as his.
if not justified banks then debit the thiefs account to reimburse the banks losses
so in short.
no banks dont just take funds from a theif and hand it back to the victim
so yea when someone is FIAT scammed for buying $2k of giftcards for a nigerian prince.
the victim is compensated from the bank
then the bank would consult the giftcard company to freeze the utility of the giftcard and the gift card company then compensates the bank
the giftcard company then freezes the card until expiry to ensure its never spent
..
yes bitcoin does not have a way to blacklist/freeze transactions
but this is where users need to be self governing and independently smart with their funds and not be reliant on middle men to save them