Fraud and scam, how many of you are victims?

I'm retired law enforcement and have some experience with scams.  Many are the result of a little laziness and naive thinking on the part of the victims.  We all hate to go through life being cynical and un-trusting but it may be necessary in today's world of high tech and a disregard for others.

I received an offer for a preamp listing on USAUDIOMART from what I thought was a reputable buyer. The guy was associated with Audio Excellence in Canada, whose YouTube channel I subscribe to. He was using a company email address @audioexcellence.ca
 I accepted his fair offer and he then asked for all my banking information so he could send the money via EFT. After I sent the info he basically ghosted me and I had to get shirty with him to force a response. His response was basically that I was involved in his holding pattern and he needed to sell something else to fund the sale. Basically BS. Now the dude has all my banking information. It’s about the dumbest thing I’ve done in 20 years of online trading.
Scam or not, it’s despicable how people can agree to a transaction, collect your financial information then walk away from the deal without consequence.
 I’m now in dialogue with my bank over the security of my account. It’s a 25 year account which I use with various auto bill payments etc. 
What a plonker I am.

A bit polarizing opions and maybe experiences here, aswell as a degree of besserwissers here to. Well, it's like forums usually are.

I just got burned by a seller on a popular audio platform/site.

Used PayPal and hope to get it resolved through them or the CC company. $3k burn and I am looking at filing a criminal complaint in his home state. Yep good luck. 
Narrowed money cost nothing when paid in full, also affords some protection.

@rird,

Ja, hier sind mehr als ein paar Wiseaksres.