Mark Uytendaal lost his life savings in a fake AMP term deposit scam. His story is just the tip of the iceberg. Australian banking laws and weak consumer protections enable organised crime syndicates to plunder everyday Australians’ savings—money meant for homes, retirement, and looking after ageing parents. Banks allow these stolen funds to be laundered overseas, often never to be recovered. This episode dives into the shocking NSW Supreme Court case O’Brien v Supercheap Security. The case reveals how bank impersonation scams have become a powerful tool for transnational crime gangs, operating with impunity, while overwhelmed police and dispute resolution services struggle to keep up. Mark and his mother Kerry lost their dream duplex. Jo O’Brien had her $500,000 divorce settlement stolen. These victims took unprecedented legal action, initially suing NAB for hosting the fraudulent mule account in the name of Supercheap Security. They lost that action, but then took action against three defendants—Hassan Mehdi, Supercheap Security and NAB— to win the case, with the bank struck out to shield them from explaining what happened. Justice Nixon ordering Supercheap Security’s director, Hassan Mehdi, to repay the victims’ losses, interest, and legal costs. Here’s the kicker: Mehdi hasn’t paid a cent, owning no property in Australia and facing a bankruptcy process that could take years. The banks don’t have to pay a thing. Victorian Police can’t do a thing. Victims are left holding the (very empty) bag.