What more can you do 
Why should Starling have refunded the money?
Madness!
I agree, scams are not rare, I agree the country, mobile networks should do more to stop scams and scam calling and foreign policy should be stricter on countries running scams, I think it also comes to a level of competence too.
I have a feeling they only did it when the BBC got involved.
They should have told him to kiss their arse and doubled down on it when he went to the BBC
Customers need to know their banks won’t end up insolvent due to paying for people’s stupidity
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