An interesting take that reveals differing moral bases.

As a preamble, I have zero moral qualms about technically committing fraud in order to access my own money (almost nobody would).

More important, I choose not to respect a law that upholds an insecure and broken system. A parallel with traffic regulations come to mind: as a cyclist I regularly break rules when I consider that they do not best serve my safety. All things being equal, I follow the law. But all things are not always equal and bad laws are there for the breaking.

The correct outcome here is that the law is tested and amended. That is the way to end the perverse situation of the precise example you raise, where anybody with technical skills can fake a document and then win in court.

Hard disagree. Just because you don’t understand the rationale of a law doesn’t mean it is arbitrary and disconnected from your safety or best interest.

I’ll give a concrete example. In law school I was hired to write a memo on a traffic circle. There was a very deliberate and effective approach to identifying where pedestrian crossings were the safest. And the cross walk itself is an attempt to encourage people to go to the safe areas for crossing.

Cross walks also create a clear zone of liability. If a driver hits a pedestrian in a crosswalk they are deemed at fault. Outside the crosswalk the pedestrian is deemed to have contributed. So the law incentivizes both driver and pedestrian behavior to converge on a known safety pattern in the safer section of the road. So you can jaywalk based on your analysis that it isn’t really that big of a deal or necessary for your safety but at the scale of society the law encourages the safest behavior.

As far as signatures. I would agree there are better systems. But they still serve a valid function.

I had ATT forge mysignature on a contract to try to get me to have to pay an early termination fee. But because I had other documents with my signature I was able to demonstrate that the forgery wasn’t even close to mine. I would honestly rather have that rather than a digital stamp or Docusign.

I never said that the act of making a digital doc look like it was scanned is fraud.

I said that process would be used in other fraudulent acts.