It isn't worrying
While it is easy to edit documents you send the bank (and you could do the same with paper documents by editing an electronic version and printing it...) the thing that stops you from doing it is that it is considered bank fraud, which is a felony. Probably wire fraud if you send it electronically and they can add some more charges if it crosses state lines, etc.
There are a lot of crimes that are easy to commit but most people don't because of the consequences if they get caught. But desperate times make for desperate men...
Biting the hand that feeds IT
