[nemothekid]

>I don't really have enough money to hire lawyers and I'm not sure what police could do and besides I'd be broke.

You would call your bank and they would reverse it. You would have your money back in a business day or two. That's why ACH isn't "abused".

What would be more worrying if some multinational company accidentally debited your account. That would be harder because your bank would likely just side with the multinational who inadvertently stole your money. However, I don't think that is a weakness that exists solely with ACH.