It’s too easy to make a mistake depositing with XLM, especially for a first timer who sees “memo” and thinks that’s like a memo line on a check where you fill out what it’s for, or leave it blank if you want to.
I sent $10 in XLM about 10 hours ago, but I didn’t put in the fk memo so the money didn’t get credited to my account. It’s not right that it can get sent to you, but if the memo isnt filled out correctly (BTW, that note on deposit window about making sure the memo is right is overshadowed by the bright yellow highlighted message about transaction fees at the bottom) you can’t credit it to my account and it takes this long to sort out.