You could similarly ask why people don't forge credit cards or banknotes. The short answer is: they do. :) The long answer is that you're risking being caugh

You could similarly ask why people don't forge credit cards or banknotes. The short answer is: they do. :) The long answer is that you're risking being caught and charged with fraud. What's interesting about this story is that it's not clear any fraud had taken place -- although I doubt the bank sees it that way.