There's very little checks on this.

Last used car I bought the DMV asked me if I had a lien, and I said no because I didn't know that was the same thing as a loan.

So I got the title mailed to me and the bank and the dealer shit themselves.

I wasn't trying to pull a scam, it's just that physical possession of a title doesn't really mean anything. So no one really checks anything.

But yeah, if you see them talking about "coupons" or closed accounts, they're just using fraudulent checks under the misguided assumption that if no one stops them immediately it's legal.

Because it "works" in the moment they don't care. It might take a year for a court case and repossession to go thru, and in the meantime they're posting to social media about how it works and everyone should do it.