You are naive in thinking that you'll get the money back quickly and
easily, or that there will be no other consequences - for example
having to clean up your credit record if the fraud that's perpetrated
via the malware involves a loan rather than theft.

While I respect your motives in flagging the risk of consequences you
(based on http://perry.co.uk/) know only too well, I think it is a pity
you assumed I think what you think I think when it is not what I
actually think
--
R