Re: Banks culpable?
In the United States ( and the EU I think), in order to open a bank account, you have to show several forms of identification to prove identity. Additionally, banks are required to complete a Suspicious Activity Report' (SAR) for any strange transactions or behaviors. I think wiring in large amounts of money and then moving that money would qualify.
I can't speak for Asia - or other countries, but I would think that there is some kind of verification or authentication system in place. Of course documents can be forged, but I don't think this is as easy or straightforward as it is being made out to be.