[Hopey]

[ QUOTE ]
"1) You get a cheque for $6000. You deposit it in the bank.
2) The cheque "clears" in seven days. All that means is that they've released the funds to you. It doesn't mean that the cheque is not counterfeit. Legally, the bank is required to release funds to you within X days (It's either 7 or 14, I can't remember which). However, if the cheque turns out to be counterfeit, the bank is not on the hook for the money. You are.
3) You send a cheque for $4500 to your Nigerian friend.
4) A little while later the cheque is discovered to be counterfeit. The bank recovers the funds from your account...but oops, you've already sent the $4500 to Nigeria"

This is Not a scam but is outright FRAUD commited by your own bank on it's customers. How the fvck do you call this a scam. JESUS give me a break.

[/ QUOTE ]

Is it just me or are "Fraud" and "Scam" basically synonyms?