This seems like the most relevant answer. The account debiting the funds will have had a fair amount of due diligence and real people associated with it. Some

This seems like the most relevant answer. The account debiting the funds will have had a fair amount of due diligence and real people associated with it. Some real person will be left holding the bag when the flood of complaints comes in. Timing it so that you get a fall-guy to open the account, get ACH debit rights, steal the money, and get it out and laundered would be non-trivial. And doing all that in some way where the fall guy can't identify you.