Yes, you are smart and nothing of this sort will ever happened to you! But, out of blessed ignorance, are wrong in all your assumptions 1. Most of the card are purchased with cards (debit, credit). so you will have a proof of payment! 2. If you purchase something with stolen money, you risk losing the purchase. And in overwhelmingly majority of cases, the end user of the card purchased at a discount from a 'black' website with suspiciously big discount. 3. This is becoming an industry of fraud and money laundering and Apple for the greed on the 30% commission did not want to curb-it. 4. It will be very easy for Apple to take some action and you will see the scammers moving to another field (maybe going back to "the prince from Nigeria') 5. You may be insulting some grandfathers who were convinced that they help, or make happy their grandkids (the scammers pose in persons you know and love and/or respect) 6. If you have been wondering, yes, I was one of the "some dumb fuck".