Wow, you really did your homework! Except they actually did exactly what you claim they should have done. (well, except for the MS part)
1. This is a deceptive scam.
2. They are stealing people's money via easily proven fraud
3. The perpetrators should be easily identified by whoever cashes the cheques
What am I missing here?
"Only a brain-damaged operating system would support task switching and not make the simple next step of supporting multitasking." -- George McFry