How do scams work

Mods have zero control over this. We've raised it with management and it apparently isn't high on their priority list.

Back to the OP - Interesting scam, had not heard this one before!

I would look from other side. How would I give cash to UPS person to go and pick up an item?

Probably , if you entered some dialog and agreed sale, some kind of “you must pay insurance for item” phishing emails would follow..

Bad scammer.. $ sign gave it away. Lucky me

That's mild. A friend got a call from someone sounding absolutely hysterical saying that she had gotten into an accident with my friend's daughter and that she needed money because she had taken a cab to the hospital but had left her purse and everything in the car and the driver was prepared to take Twint but she didn't have Twint (or something to that effect).

The person did indeed have a daughter, so her initial reaction was absolute dread, thankfully her son was stood next to her at that moment and, being a cynical Gen Z'er, immediately called his sister, who picked up immediately because her brother never calls her. She was, of course, perfectly fine. The mam contacted the police about it but apparently there is not much they can do, especially if it was only an attempted crime.

These scammers clearly check Facebook profiles for parents of teenager/young adults and use what must be one of the deepest fears to try and scam them. Absolutely despicable and infuriating that they can't be stopped, only thwarted by people responding rationally.

How can sending a small amount as wire transfer payment lead to your account getting emptied? I can't figure a way to do that ... I am sure Swiss banks are aware of every trick in the book here.

Well, except my first ex-wife that had the signature on my account and emptied it right before escaping to the USA (when I was young and naive).

My MIL gets these calls at least every few weeks that my wife has been involved in a car accident. Luckily she knows now that my wife never drives and tells them where to go.