It's honestly surprising to me that there haven't been more large-scale "attacks" / frauds committed along these lines. If anyone knows I'm genuinely curious:

It's honestly surprising to me that there haven't been more large-scale "attacks" / frauds committed along these lines. If anyone knows I'm genuinely curious: why hasn't it been exploited on a large scale or what, if anything, prevents it from being exploited? Edit: jeffasinger & edawerd largely answered my question in their posts above.