Nothing in Regulation E indicates an intent to cover intentional transfers by the account holder to scammers. Quote something specific if you disagree.

> also see official interpretation 2(m)-4 there

None of those scenarios match "I willingly sent money to something that turned out to be a scam". At all.

Each example in that interpretation is that of an unintentional transfer - bank employees doing it, stolen devices, being under duress.