Scalability. Transactions are usually pretty small compared to annual incomes so the people doing this are doing it a lot, and you will be under some scrutiny

Scalability. Transactions are usually pretty small compared to annual incomes so the people doing this are doing it a lot, and you will be under some scrutiny after the 75th fraud on your account this year. This is only an issue because of tracked non-anonymous accounts. The key for money laundering in high profit / service retail businesses is using dirty anonymous cash. Often the customers literally do not exist, imaginary entries are made at the register and cash is stuffed in. The last suggestion is easily worked around, merely trade device IDs along with account IDs. In fact the easiest way to steal money would be simply to clone your device outright complete with saved passwords etc. Joe certainly doesn't control his own device, not the firmware, OS, or apps, not to mention MITM attacks.