Always verify a wire details through an initiated call to a verified number of the legitimate institution in question.

My country has AML law, but all the time people are tricked into wiring money to scammer for a house or something else because they take wire details by spoofed e-mail or a received phone call.

The scammers are very clever, they will monitor e-mail from a title company or some other company with large invoices, then trick you at the exact moment you are making a legitimate transaction to a legitimate institution. Because you did not make a mistake sending the wire, nor did the bank, only sent it to exactly the wrong person, once the wire gets forwarded on out of country you're often SOL.

Many scammers have sources in government agencies, companies, insurance companies, etc.

The day my mother asked to receive her pension, she received calls from scammers, even though she had been relatively spared until then. I have had similar feedback from people who have to call for help with mental health, depression or addiction issues.

These people have no scruples and are willing to pay others without much hesitation.

Correct. There is more verification buying a beer at some pubs than sending $1m.