I read this article, the previous one, and this blog post that explains ACH: https://engineering.gusto.com/how-ach-works-a-developer-perspective-part-1/ https:/

I read this article, the previous one, and this blog post that explains ACH: https://engineering.gusto.com/how-ach-works-a-developer-perspective-part-1/ https://engineering.gusto.com/how-ach-works-a-developer-pers... This is such a fun and interesting rabbit hole. And now I get how the whole thing worked from a computing perspective. I'm now just confused as to why the scam broke down the way it did. From my understanding, it seems that Pioneer was going to freeze his account (and they did). So in order to fix that issue, he temporarily diverted funds to his Pioneer account, settle debts(?), and continue trying to get money to cover the money he now owed to Cachet. But that doesn't make sense, does it? Because this fraud was going to be detected instantly (most likely) or ~3 days later. But that is nowhere near enough time to settle debts with Pioneer and get enough money to cover the Cachet debt. It seems to me like it was an extremely long Hail Mary that was likely never ever going to be successful.