I see your point about WU being famously used for fraud. The point of bringing up Apple gift cards is to provide a counter-argument that WU's services aren't in

I see your point about WU being famously used for fraud. The point of bringing up Apple gift cards is to provide a counter-argument that WU's services aren't inherently bad, even when some of the uses they're put to are. They enable fraud, but only as an incidental consequence of providing services to the disenfranchised that no one else is.