Stupid people is perverse. Banks are generally full of these. They power is barely limited and in the corner cases where they are somehow forced by regulation to compensate victims those compensations are peanuts to them (and in most cases to the victims themselves).
All this idiocy could have been prevented by a communication stating "come here before one week or we will close your account". They simply do not care about people.
Teens are very propense to succumb under peer pressure. Some would be honest and do the work themselves, but if a significant subgroup is using GPT there's a bigger chance that this group influences some of them to do so.
