There have always been attempts to launder fraud through intermediaries - computerized, bureaucratic, or otherwise. They think (well, know) if they abstract or obfuscate things in a novel way, that they'll have enough time to hit markets across states without sophisticated legislation before the legal immune systems can respond, potentially years later.

This type of algorithmic grift is transparent to judges and people with common sense, but there doesn't seem to be a lot of interest at or outside of the federal level through regulators like the FTC to prevent it, just curtail certain circumstances.