That must be a bank with great security network. If it were in my country, the only thing that could be done would be to stop further spending from the account. That's by way of blocking that account. Whatever that's already spent is gone forever. The bank will do all it can to absolve itself from blame by pointing the victim to the fact that the fault isn't its. Your wife's bank did a great job by even tracing all the places the stolen funds went to and at the end recovering such. It interests me how that was achieved.
When your money lost, let's assume it was lost forever as no guarantee that banks and police can recover stolen money for you. Scammers can run away with your money, and even use all stolen money from you for physical assets or gambling. If they bought assets, police can seize such assets and use them as part of money return to victims but not all stolen money will be retrieved by police.
With blockchain, it's more risky and your stolen cryptocurrency is harder to be recovered. Blockchain transactions are mostly irreversible and with its privacy and even anonymity, it's harder for police to find scammers, get money back and return it to victims.
