All of that is easy to account for, all of the metadata you need is available. This also applies to the sibling comment about rounding up to charity at the grocery store, the data is all there, even if it's e.g. the fraud analyst at the bank or credit card company instead of the fraud analyst at the grocery store.

I don't need to account for it - I'm just stating that this doesn't match my experience:

> Real cardholders almost never buy something for exactly $1.00. Coffee is $4.73, gas is $52.81. The roundness is the signal.