Hell, I work as a security consultant for a living and any time I touch live finance systems I tread very lightly. Any significantly complex system with money directly involved is going to have too many variables to predict its behavior. I wouldn't touch something like this with a ten foot clown pole.
Presumably this is being run through a real bank with a real underwriting department. A VISA card that works at ATMs is not fun-and-games; it's not a Facebook feature.
Yea, this is well into the realm of going to jail for a long time if you touch anything. Find it pretty doubtful that anyone will even try.