That just means the people who are supposed to ensure something like that aren't smart. Not that he's a genius. Someone remotely close to being smart would ins

That just means the people who are supposed to ensure something like that aren't smart. Not that he's a genius. Someone remotely close to being smart would instead route to someplace he doesn't live, for starters. And it doesn't say anything about credit card fraud, which would be much wiser rather than check fraud (in the context of breaking the law here) since there is much less recorded evidence.