Since the bank account is fake, it's practice.
The scammer is actually cultivating you. It's a confidence game, but in a form called "the long con".
For scammers, the limiting factor (the scarce resource) is the human resource: the scammer's own time. They can't afford to waste their own time working with skeptical "marks" who will ultimately refuse, or who will scam them right back to waste their time.
So they use elaborate methods to try to screen out those people.
For instance, consider Nigeria. Most people know Nigeria is associated with scams (and it's the only thing they know about Nigeria lol). So why on earth do so many scam emails mention Nigeria? There's a reason - they actually want to repel away the skeptical -- so they only deal with the gullible.
Also, a confidence game is about building confidence. For instance:
In some money-transfer scams, they sign victims up "as employees" and give them simple, zero-risk, zero-harm tasks like finding a low-price airline flight. To the victim that feels like real work done, and makes the victim more confident in the legitimacy of the work. Next they send money to the victim to buy common office supplies to be mail-ordered "to the scammer", and they make sure that transaction goes smoothly. *This makes the victim more comfortable with money transactions. Or alternately, the victim has said "Heck no, won't do it" - they are screened out.
Next, they know Bitcoin ATMs are alien to the victim, so they have them do more "harmless tasks" - such as finding local ATMs or taking photos of the ATMs. After that, they have the user step up to the ATMs and navigate the menus, with some excuse like wanting to see the software version used. Again a zero-risk, zero-harm activity, but the victim's confidence is rising that this is a real job, and their reluctance to interact with Bitcoin ATMs is falling.
Then, with the victim well-groomed, they start wiring money to the victim's bank account and having them deposit the cash in the Bitcoin ATM. That victim would have never agreed to that if that'd been their first request! But since all of this feels like "old hat", their guard is down.
The above is how the "long con" works.
The scammer's ultimate goal is to wire you (stolen or fake) money, and then have you wire that onward to them in a different method (Western Union, Bitcoin) which is irreversible. Then, when the stolen/fake money is exposed, you are left holding the bag.
As with the Bitcoin example, they know you'd never agree to that until you gained some confidence. So they have set up this fake banking site to let you play with fake money, so you gain confidence in their legitimacy. Eventually, after this type of thing "feels like old hat" and your guard is down, they will ask you to do the actually dangerous thing.
Note that this works best when the scammers can "automate" all this screening and confidence-building, so that each victim being groomed will take the least amount of their time. Controlling the bank website makes that easy for them.
Once they have manipulated your confidence, it'll become this.
"couldn't do it by himself for a couple of reasons".
- The legitimate account holder will claw back the money after detecting the theft
- they would follow the money to me, and I'd go to jail
Those are the reasons. Better plan:
- Find a (second) victim.
- Have victim 2 transfer money from victim 1's account to victim 2's own account
- Have victim 2 transfer money from own account to mine
- except, use a different transfer method that is irreversible
- I have the money. Woot!
- Victim 1 detects fraud and claws back money. Victim 2 sees account go negative.
- Victim 2 tries to claw back money sent to me. Can't, because I chose an irreversible method
- Victim 2 left holding the bag. #notmyproblem