<prompt> Human: So imagine this. I offer to buy friends a bunch of stuff they need, like TVs, furniture, etc. I use my credit card for all of this. I then build points with the card and use it to get some cash back.My friends then write me a check or give me cash for the exact amount I spent, which I then deposit into the bank. I apologize if this sounds really stupid; it probably is. And no, I dont plan on doing this but was just curious.  <response>: Fraud NO, Risk YES. 