Most fraud writing is about criminals. This starts with everyone else — the legitimate customer who disputes a charge they made, the subscriber who refunds every purchase. But the lens is wider than fraud: risk, incentives, AI-enabled deception, and human nature. Working notes from someone who has spent years inside the machinery of online trust.
Notes
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The ground rules: pattern-level notes only. No names, no employers, no identifiable stories — the lesson without the fingerprint.