I'm confused. They think this is easiest? Either they have someone manually going into bank accounts and making transfers, or somebody actually programmed somet

I'm confused. They think this is easiest? Either they have someone manually going into bank accounts and making transfers, or somebody actually programmed something to log in via the webpage and do stuff. Neither of those are "quick and easy". Is a paypal button really so hard? Also, how are they not shut down? It seems a single user sending that screenshot to Amex should be more than sufficient to close any merchant account they have.