We have a very aggressive prosecutor.
Sure you do.
Your argument is flawed. We all know that there are there still people dealing drugs, stealing cars or killing other. These happen all the time. We execute more people in Texas than any other state and it still doesn't stop them from happening. Fear of prosecution doesn't stop individuals from comitting crimes.
I have no argument, just a simple statement of fact. There's not much to fear from writing a bad check for a small amount. And definitely not for an internet deal.
Risk vs. reward. Beaucoup money in drugs and stolen property, hence the continuing problem. Sometimes for killing, too.