OP is simply ignorant. There are many laws that would make account take-over an illegal activity - it would depend on what exactly the perpetrator did, but wire

OP is simply ignorant. There are many laws that would make account take-over an illegal activity - it would depend on what exactly the perpetrator did, but wire fraud and criminal conspiracy most likely apply. If the OP's point is about consumer protection in case of any dispute with online provider, there's maybe a tiny bit of truth, but that's not a criminal law. If the OP's point is whether there's sufficient enforcement and investigation for account take-over, that would be correct, but it's not clear if the society would be better off spending large resources on investigating those when there are much more serious crimes not being investigated sufficiently and when companies are generally doing reasonable attempts at providing protection.