It could be a black mother who needs groceries for her children and now she has to wait a few days
That happened to me, but they replaced my funds as soon as I made the call. If you have a bank account with like a top 5 bank, they have fraud alerts and if you dispute the charges; they will credit your money, same business day. Because they will conduct an investigation into the facts after your dispute, not make you wait around until they determine what's going on. Banks charge fees for everything. I do feel bad for people with those money cards (like green dot or something like that) or check cashing cards that don't have actual accounts, because it's harder to dispute and prove- once the money is gone.. it's gone.