I like the idea in general, but any fraudsters would gladly pay quite a lot to have a chance of getting their hands on $400k. They can work out the ROI just as

I like the idea in general, but any fraudsters would gladly pay quite a lot to have a chance of getting their hands on $400k. They can work out the ROI just as well as a legit customer. So the anti fraud aspect doesn’t ring true to me.