My sister got burned on Zelle last year when someone hacked her email and drained $800 before she even noticed the alert. The bank told her the same thing yours probably would, that once it's sent it's gone, which is why it's fine for your landlord but scary for strangers. Sounds like you already figured out the trick though, which is only using it with people you actually know and trust.

How good does it feel when those inset doors line up right?

The fixed point thing is only half of it though, what really matters is having a solid anchor on the other end because if that wall plate slips even a little the whole stretch is shot. I've seen guys run a power stretcher into a weak wall plate and pop half the baseboard loose, then wonder why the carpet came back loose a month later. Kicker plus stretcher works, but only if you take five extra minutes to set up something the stretcher can actually pull against.