That's a good point. Sellers take advantage of the fact that they are dealing with human beings and investigators tend to make arbitrary decisions based on what they already know, so a not tech-savvy investigator might not do a proper task for tech-related stuff whereas another who knows a lot of computers will immediately identify the issue. his goes up to management, quality assurance (biggest offender at operational level imo), PMs, policymakers and even leadership.

To give you an example, one time a friend discovered a fraud MO where buyers complained that windows licenses were mysteriously deactivating after a while. He was a tech-savvy guy and even worked in IT in the past so he knew very well something sketchy was going on. I don't remember the specifics basically he found out you could purchase a certain specific license that allowed you to activate it on multiple computers and only triggered the activation message after a while or after a certain amount of computers activated it (network license or something). Basically, this allowed sellers to buy one license and then resell it a hundred times, and when customers complained they would just buy another license and send them the new code, and then resell that code a hundred times. He sent an email to a Program Manager and his L4 manager, and nobody did anything because they just didn't understand.

Years after the MO was identified by my friend, it still happens. If you search right now for a Windows 10 license, you will usually notice that some are cheaper than usual, and they are not sold by Microsoft but instead the seller has a name written in all caps like EPICSTORE or LEGITSOFT or simply Generic, and they are selling you an USB that has windows or something. A tech savvy guy might realize that selling a license for $98 is suspicious no matter who is selling, but most customer won't.

I just found one in fact https://www.amazon.com/dp/B0B4F6T92L#customerReviews Look at the one review from that guy. He got 100% ripped off. If he complained to the seller, he probably got an "apology" with a link to download windows 10 which anybody can do legally at any moment, and attached one of these licenses in the email, although on this particular PDP I noticed certain patterns that tell me this seller is probably a moron and will be caught easily, many are way more subtle though.

borderline accomplice of the scam

Saying this kind of stuff is what got me in trouble many times lmao.