Sorry, you're absolutely right, I was mistaken and somehow ended up only skimming the parts of the article that were more about his personal story (and I guess

Sorry, you're absolutely right, I was mistaken and somehow ended up only skimming the parts of the article that were more about his personal story (and I guess overlooked the thread and article title, as well). Maybe partly due to reading some other previous Krebs posts about carders. Identity theft definitely is far more damaging to consumers than carding is, and banks and financial institutions are definitely a lot less forgiving. People should disregard my above post. I think I just fell into the unfortunate HN stereotype of getting wrapped up in the comment section instead of RTFA.