> Then you get trusted parties selling account access

How many bank tellers or USPS employees do that, though? It’s possible but quite rare because people know they’ll be running a big risk of being caught and no individual transaction is worth that much.

Interstingly, since 2008 Dutch bankers need to take an oath and whilst I don't think that in itself deters fraud, being fired for fraud would preclude going back to work for another bank (tuchtrecht / disciplinairy law)