The companies running these proxy stations are already:

1) Using botnets to mass-create thousands of accounts

2) Blatantly violating ToS by splitting and reselling accounts

3) Creating thousands of accounts using fraudulent identities

4) Bypassing KYC by recruiting real people in low-income countries for biometric face-matching checks for a few dollars

5) Using AI deepfakes to fake passports / verification credentials

But if you believe that payments fraud is the one ethical line these syndicates refuse to cross, there's not much else I can say to convince you.