This article confuses me though: aren’t almost all of these programs relying on direct deposit information? That is, how do you as a scammer use just the SSN an

This article confuses me though: aren’t almost all of these programs relying on direct deposit information? That is, how do you as a scammer use just the SSN and get the money out? Are unemployment funds arbitrarily re-routable? (Multiple people in the story got confirmation paperwork in the mail, but if they’re allowing “sure, enter any bank account for the ACH transfer” that seems surprising). The article also has this at the end: > The state has also implemented a two-day delay in payments to give workers more time to vet the claims. Which seems to just attempt to solve this via “No, I didn’t apply for this”. I get allowing people to say “I’d prefer it go to this account, rather than a paper check”. But you’d also want to do verification for that, the same way you should be more suspicious if someone suddenly: changes their email address, changes their account information, attempts a massive withdrawal...