Sounds like a typical romance scam.
Create a fake identity which gives you a plausible reason why you are unable to meet the mark in person
Build a personal connection to people online
Make up a more or less convincing story about why you are in urgent need for money
Ask the mark for money
Take the money
See if you can convince the mark to give you even ...
About the only drawback is that you can't choose where the money goes. My son in law has only one bank account; he has auto deposit on. My daughter has several: one with the bank that holds their mortgage, one with another bank that is her general purpose operating account, and of course a savings account. She might want to deposit an e-transfer into any one ...