I think it's a valuable distinction you're making, and I don't think it's merely a matter of semantics. Knowing the motivations of the criminals involved is useful in building workable defences - the fact that they don't care if they get the money or not is important information, and not immediately obvious. I for one have learned something from this thread, anyway.
Agreed. When this kind of fraud started the anti-fraud industry was a bit unprepared because low amount transactions were historically not dangerous. Understanding why it was happening helped quite a bit.
