said by Doctor Olds: said by 47717768:
I just do not understand why they always hold a victim responsible.
Because the victim has broken the law by depositing a fraudulent check even though they didn't write the check. The victim did withdraw the money from the bank on the account that is in the their name. If the victim were to wait until the check fully clears (up to 15 days) then this type of scam would no longer work and the victim would not end up with a severely overdrawn account.
Right. But what if victim did not know it's a scam?
But JustBurnt has already explained.