Whilst the article
is obviously trying to discourage phising which is a good thing, it is kinda obvious that the 'rewards' from phising are hard to obtain and more importantly keep.
It is all digitally tracked, you have to in depth and up to date knowledge of the banking systems, to spot a crack in which you can exploit. I would say that most people with that level of knowledge are already highly paid, and probably already monitored.
In some ways phising has been a good thing, it has probably reduced the number of street muggings and lead to easier arrests, but of course there is the expense of fighting the phising and that is probably were the real cost of phising is. So, perhaps the police should have less of a budget and have that moved to the departments actually fighting the crime.