It already is a crime if you tell the bank that they have made a mistake and they don't correct it. It's not hell to fix it. You just have to send a few letters

It already is a crime if you tell the bank that they have made a mistake and they don't correct it. It's not hell to fix it. You just have to send a few letters. It also already is almost all the bank's problem. After all, they are the ones that lose the money in the scenario you describe.