When I was at University, every Thursday night, we'd go to the pub.
There was an ATM on campus, and we'd file past it to pick up $20 on the way down.
A dorm mate visible staggered when he checked available balance (was expecting $35-35), there was $250,000 there.
Much debate about whether he should withdraw as much as he could ($5k), and spend it.
A couple of legal students were with us and pointed out that it's legally fraud, as you enter into removing money that you've got no reason to reasonably believe that it's yours...you'll go down bug time.
This couple are screwed when they get found out.