Yeah I agree the FTC article could be more clear here. I think they call out Western Union because those are tools that are commonly used by scammers.
But let’s be clear: the risks are the same if you are wiring money through Western Union or wiring through any other bank. Once you wire the money you do not have the same protections as other payment mechanisms. And if you don’t get the product as described, you are likely out your money. This is compared to other forms of payment like credit cards where you are protected. With a credit card you can issue a charge back to the seller and get your money back in the case of fraud. With a wire transfer you cannot.
But let’s be clear: the risks are the same if you are wiring money through Western Union or wiring through any other bank. Once you wire the money you do not have the same protections as other payment mechanisms. And if you don’t get the product as described, you are likely out your money. This is compared to other forms of payment like credit cards where you are protected. With a credit card you can issue a charge back to the seller and get your money back in the case of fraud. With a wire transfer you cannot.