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It's not that you can't, it's that the risks of getting caught doing it and punished for it are too high relative to the reward. If you don't believe that dete

It's not that you can't, it's that the risks of getting caught doing it and punished for it are too high relative to the reward. If you don't believe that deterrence is a real thing, there is a lot more human behavior that needs explanation than just the relative lack of ACH fraud.

SilasX 4y ago
You still don't seem to understand why "it's illegal" is not a great insight to lead your example with. Even if true, the answer would lead with what makes this illegal thing so less prone to violation than other illegal things.
- permo-w 4y ago
  it is illegal and easily detectable
  - SilasX 4y ago
    I got that part. Still doesn’t justify a comment that starts with a paragraph implying that illegal things can’t happen because deterrent. That doesn’t help.
    - permo-w 4y ago
      no one said they can’t, just this is largely why they don’t. are you going to rob a supermarket where you have to hand in ID at the door? or will you find somewhere easier?
      - rosnd 4y ago
        https://www.nbcnews.com/news/world/margaritas-story-how-one-russian-woman-became-money-mule-flna524892 https://www.nbcnews.com/news/world/margaritas-story-how-one-... https://www.ice.gov/news/releases/russian-man-pleads-guilty-global-bank-fraud-scheme https://www.ice.gov/news/releases/russian-man-pleads-guilty-... They do this, at giant scale. When you're earning tens of thousands of dollars per account, it's worth it to train people to go open bank accounts using fake passports.
      - SilasX 4y ago
        That my point: “it’s easy to catch and enforce” would be the relevant fact to lead with, not “duh it’s illegal silly!” The latter is true for a lot of things that aren’t enforced, and is really condescending to start with.
    - cortesoft 4y ago
      They never implied that it couldn't happen, they implied it didn't happen that often because it is illegal.
      - SilasX 4y ago
        Which is a bad explanation. Lots of illegal things happen often anyway. Implying that being illegal automatically contains it is a bad explanation and a bad premise to start from. The question is, why is this illegal thing not more violated? Just like I said in the past two replies.
    - 0x457 4y ago
      It being illegal makes parties involved forced to cooperate. If someone hacks your Twitter and tweets something - the FBI isn't going to investigate who did that. If someone commits a wire fraud with your account - FBI will investigate.
  - rosnd 4y ago
    How do you explain the widespread availability of "drop" accounts in the US? Cybercrime forums are full of people offering services to "cash out" illicit bank transfers into cryptocurrency.

SilasX 4y ago

You still don't seem to understand why "it's illegal" is not a great insight to lead your example with. Even if true, the answer would lead with what makes this illegal thing so less prone to violation than other illegal things.

permo-w 4y ago
it is illegal and easily detectable
- SilasX 4y ago
  I got that part. Still doesn’t justify a comment that starts with a paragraph implying that illegal things can’t happen because deterrent. That doesn’t help.
  - permo-w 4y ago
    no one said they can’t, just this is largely why they don’t. are you going to rob a supermarket where you have to hand in ID at the door? or will you find somewhere easier?
    - rosnd 4y ago
      https://www.nbcnews.com/news/world/margaritas-story-how-one-russian-woman-became-money-mule-flna524892 https://www.nbcnews.com/news/world/margaritas-story-how-one-... https://www.ice.gov/news/releases/russian-man-pleads-guilty-global-bank-fraud-scheme https://www.ice.gov/news/releases/russian-man-pleads-guilty-... They do this, at giant scale. When you're earning tens of thousands of dollars per account, it's worth it to train people to go open bank accounts using fake passports.
    - SilasX 4y ago
      That my point: “it’s easy to catch and enforce” would be the relevant fact to lead with, not “duh it’s illegal silly!” The latter is true for a lot of things that aren’t enforced, and is really condescending to start with.
  - cortesoft 4y ago
    They never implied that it couldn't happen, they implied it didn't happen that often because it is illegal.
    - SilasX 4y ago
      Which is a bad explanation. Lots of illegal things happen often anyway. Implying that being illegal automatically contains it is a bad explanation and a bad premise to start from. The question is, why is this illegal thing not more violated? Just like I said in the past two replies.
  - 0x457 4y ago
    It being illegal makes parties involved forced to cooperate. If someone hacks your Twitter and tweets something - the FBI isn't going to investigate who did that. If someone commits a wire fraud with your account - FBI will investigate.
- rosnd 4y ago
  How do you explain the widespread availability of "drop" accounts in the US? Cybercrime forums are full of people offering services to "cash out" illicit bank transfers into cryptocurrency.