memes

Proves ownership that is much more difficult for scammers to steal.

How is it more difficult? A scam almost by definition makes the current owner perform some action to unwillingly give something away, why would it be harder for scammers to make victims perform actions that give away an NFT than any other electronic good?

You know how when you get scammed or defrauded there are systems in place to roll back the fraudulent transactions? By using NFTs (or anything else based on a blockchain) you throw away those systems and make it literally impossible to bring them back. For what gain exactly?

Banks and insurance companies can use them.

Why would they? It might maybe be slightly cheaper, because some infrastructure costs are externalized, but that does not come anywhere near being worth the headache of all your confidential customer data being public. Sure, they could anonymize it and have an internal infrastructure translating it back. That would negate the cost advantage and make the whole system more complex for no gain at all.

Reduces costs in proving ownership as well.

Please elaborate, because that it not anywhere near detailed enough to discuss it seriously.