Reading through this comment chain and seeing all the plausible speculations about how these guys' banking info are monitored for red flags.. a) Why are we not

Reading through this comment chain and seeing all the plausible speculations about how these guys' banking info are monitored for red flags.. a) Why are we not mad about that kinda thing? b) Doesn't the law of large numbers say that even if someone does something that looks weird, it might just be for random fluctuations? Or is the financial system too.. regular?