You could hack someone's business bank account and ACH debit other people, yes. But then you have to get the money out of that account, and into cash in your h

You could hack someone's business bank account and ACH debit other people, yes. But then you have to get the money out of that account, and into cash in your hands without leaving a trail that leads to you. It's possible, but complicated. And if you could do it, there was probably already significant money in the account you hacked into in the first place. No need to pad it with ACH debits that might set off alarm bells.