$10k to Bob’s IT consultancy within the same state is a lot easier than $10k that ultimately leads to a country that may be embargoed.
In which case the middleman/coconspirator would add one more, completely unrelated crime to their list.
The incentive in both cases is money, specifically from people who feel vulnerable enough to pay but not so vulnerable that they give up hope.
sales vs engineering
triage vs diagnostics
collections vs billing
Sounds like a complete service being offered by two separate legal entities with the purpose to evade.