Oh and one other little thing to add; reading what some of the actual cyber criminals say regarding what they do and why they do it and their outlook on life really makes one question the so called morals that are instilled into many people at a young age.

I don't consider black hat hackers and carders as bad people anymore after seeing a lot of them show each other more kindness and actually help each other more than the so called "normal" good law abiding people of society. If anything, they are modern day robin hoods since their actions only affect these big greedy banks that screw over many innocent people out of their livelihoods and homes.