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Yeah, if I were a horrible awful person undeserving of rights, I'd be selling crypto and stock options directly to consumers. Get them set up on a trading platform, invest their money for them, let them savor the returns on anything under 10K, once a couple of big fish put their retirement money in I start pulling rugs. I'd even have a name which is an amalgamation of some random word and the word bank, which is absolutely under no circumstance considered a bank protected by any laws or insured. Children? Elderly? People with kids? Prime targets. Once they become wise to the scam they have to go through support, "please wait up to three weeks" followed by "we noticed unusual activity leading to your account being frozen, please sign the following documents clearing us of liability so that we can quickly resolve the issue you're experiencing" and then finally "as per your request, your most recent attempted transaction has been cleared and you should see the money in your account" except the money isn't in their account. The money is mine. Even if they submit a police report at this point many months have gone by and I've reinvested into safe high dividend mutual index funds for annual returns between 3% and 5% at a minimum not including on sale price, I could literally afford to live like this and still give them their money back: except I still wouldn't, they will literally have to drag me to court and even then they signed documents making their case next to impossible to win and I would be constantly harassing them with baseless claims of counter lawsuit for breach of contract in a court hundreds of miles away and threatening that they will go to prison over engaging in frivolous lawsuits.

Either that or be a quack doctor doing illegal cosmetic surgeries. Why wait months for a 40k jackpot when people will show up on a weekly basis and hand it over in full?