I think you misunderstood what I was saying. My point was that if only fraudsters were shipping to non-billing addresses, we wouldn't need to specify two addre

I think you misunderstood what I was saying. My point was that if only fraudsters were shipping to non-billing addresses, we wouldn't need to specify two addresses when making a purchase. In itself, shipping to a non-billing address is not a scheme. It's what people do. That's why that is an option to begin with, and that's why all shopping sites support it. If it was uncommon for people to ship to non-billing address, then it would cease being a fraud scheme, because we would be able to use this as a reliable indicator of fraud -- or we'd not have this option to begin with. Therefore, fraudsters do that because it's not uncommon in general.