So I log into my banking app right and it says I have x amount of money. Could someone with the correct access Just add a 0 to that? If not why not? Who/what keeps track of that stuff?
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Same reason that, in 1854, no one could access your bank ledger and add a 0 there and have it go unnoticed. If that were possible, we wouldn’t be robbing banks for money.
Money leaves a paper trail. LOADS of paper trails. To fake an account balance, there are loads of other transactions you’ll have to fake to make it seem believable. Even more so that it would be much easier in 1854 to fake that than in modern computerized systems with robust security, a bajillion ways to archive transactions and track modifications, and fraud detection.
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