You know, this kind of threads make me want to sticky every scammer's information to somewhere conspicuous.
In a situation that the client on the account has 0$ and it disappeared, who will pay? Programmer!
I don't really understand what you're stating, but in other civilized places the client who (presumably) over-drafted the account has to pay up, and not the programmer. If the problem was widespread and troublesome, the worst the programmer would get is a reprimand or be sacked.