[fencepost]

I'll say the same thing about fraudsters I tell clients about hackers, ransomware gangs, etc. What they do is their jobs and some of them are quite good at those jobs. Don't think of them as the stereotype angry teen that might have come to mind 30 years ago - these days it's more likely that they look just like your IT department working from home - or like technical employees in a Russian government office in Moscow.