But then how would they police what you install?

Maybe you have the criminal idea of installing an adblocker, for example.

That is not allowed since corporations need to make money.

The government and ad networks need to track you for your benefit.

Ads are needed before listening to each minute of a song.

You must submit to crpyto miners running in the background from the ads, increasing your electricity bill and pollution.

Only USA sanctioned and approved ads are allowed, also. We wouldn't want you seeing an ad from a competing entity, right?

If you install an ablocker, you are a terrorist and broke 324582 American laws.

The scammers are often in a very different country than the victim. Finding the scammer is only 50% of the work, the other 50% is diplomacy and hoping the other side is willing to extradite. This is not made easier if the police force in the scammer's country is extremely corrupt.

This is why those scams so often rely on gift cards (or sometimes on cash which a local mule converts to crypto).

Many banking scams involve fake checks and deposits into other accounts, but I don’t see the government or banks taking active steps to stop them.

Maybe they can just sanction that person? Block them from making phone calls to the country and publishing apps?