It depends on how the chargeback and tracing system works. Credit cards and ACH have virtually no security (especially ACH, the "secret" is on the bottom of eve

It depends on how the chargeback and tracing system works. Credit cards and ACH have virtually no security (especially ACH, the "secret" is on the bottom of every check you write), and the world keeps turning. If it's hard to get money out in a untraceable and irreversible way, hacking someones account is not so valuable.