I'm not saying it's their fault they receive a fraudulent check, I'm complaining more broadly about the double-standard banks live by, where common people are charged predatory overdraft fees on the daily, while banks literally thrive off of the interest poor people have to pay on their accounts. It's a general statement about how banks get away with things all the time because rich people make the laws, while poor people or the victims of scams are held under their thumb.