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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>Could someone with the correct access Just add a 0 to that?
Yes, but no. How things are monitored varies nation to nation, but banks in developed countries are watched like hawks by regulatory agencies for those sorts of shenanigans.
So someone with the *appropriate access can adjust your account balance. But the first automated audit of the banks accounts that is performed by the system will flag the incorrect balance. What you are describing is basically a digital form of counterfeiting. National governments really, really, really, don’t like it when people counterfeit money.
*Banking systems shouldn’t allow a direct adjustment of account balances like that. For someone to perform that sort of edit to your account balance they would likely have to hack into the financial system and abuse the database in some way.
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