From the Guidelines:

> Please don't insinuate that someone hasn't read an article. "Did you even read the article? It mentions that" can be shortened to "The article mentions that."

In my opinion, OP is actually right. It's not money laundering, but simply carding/stealing.

That doesn't even make sense to call money laundering, even under the ridiculous expansive views of the non-crime that people refer to as money laundering these days.