What’s amusing is you’ve now stolen $10 from all of Alice’s accounts if she has more than one, or if Bob has none.

Continuing the pattern of existing examples (in this case, as present in the article) is a perfectly normal thing to do. I think everyone can make the mental leap that a proper account ID would be used instead of the owner's name in an actual setup.

Sure, you'd need a better key I am just saying for example.