[robinson-wall]

I'm not suggesting they aren't criminals. But there is a spectrum of criminality and I am suggesting they are considerably less so than the leaders of the fraud ring.

These ads are deliberately designed to prey on the desperate, unfortunate or the technically illiterate.

Some of them probably know exactly what they're doing and I have no sympathy, but some of them probably fall into the same category as people falling for Authorised Push Payment fraud.

[MichaelZuo]

Isn’t that true for all types of crime?

In the worst cases the accepted practice can be as severe as locking them up and throw the key away, even if it was totally unintentional.

Like a drunk driver plowing into a group of school children, or a ship captain that sinks a cruise ship while distracted.

Having extra scrutiny imposed on future banking activity is a minor punishment for a minor crime.