Its not one person, these are groups of people who likely have a single strength in a particular area. the guy who is good at hacking, is the guy sending phsini

Its not one person, these are groups of people who likely have a single strength in a particular area. the guy who is good at hacking, is the guy sending phsining emails isnt the guy setting up the bank accounts. My novice POV is that you would expect russians to have a higher ratio of hackers to script kiddies as opposed to a country like Ghana who scams just as many that is mostly just script kiddies trading techniques on underground markets.