And Walmart does the same thing, and faces gov regulation and fines: https://www.propublica.org/article/walmart-financial-services-became-fraud-magnet-gift-car

And Walmart does the same thing, and faces gov regulation and fines: https://www.propublica.org/article/walmart-financial-services-became-fraud-magnet-gift-cards-money-laundering https://www.propublica.org/article/walmart-financial-service... The rule is applied fairly evenly imo