Ultra Violet hat geschrieben:Die Regel nutzt halt das ZOB Modell.

WHY MONEY?
“Why rob a bank? That's where the money is."

Perhaps the most extraordinary claim of all in the annals of hackerdom is the idea that these people get paid in electronic currency to break the laws of society and change electronic records. The extremity of this claim is quite apparent: people are breaking the rules of society to change data records in exchange for being gifted with data records that according to the rules of society entitle them to goods and services. Why not eliminate the middle man and just hack the money records directly? The fact that people in the Shadowrun universe don't is highly indicative that they can't. And the reason for this is primarily because the monetary records themselves are very far away.

Electronic Nuyen: The Ledger in the Sky
“It is the finding of the Corporate Court that the creation of a unified currency that is itself immune to the damaging effects of speculation and devaluation is an essential pillar upon which the global economy must be placed."
Electronic money can exist in a world where people can force the changing of electronic data from a distance by impressing it with high density signal because it's actually really simple: it's just a number. That means all transactions of electronic money can be done entirely with low density signal. There's nothing complicated enough going on to actually need any of the fancy processing that Shadowrun era signaling can do, and so it lies within the capacity of those maintaining the money to block out all high density signals and still conduct business. To hack the money supply with traditional methods would thus require one to get inside the barriers and thus be on site. Considering that the money is “kept” in servers that are extremely inaccessible, this rarely happens.
The biggest reservoir of money is a series of servers maintained in Zürich Orbital, a space station which passes over the Earth at nearly 2,000 kilometers above the seas. The “money” is a series of account numbers with money amounts on servers that sit inside this well fortified bunker floating continuously in space. These servers are connected through low density signal cable to retransmitters attached to powerful receivers on the outside of signal shell. The externally available computers don't hold any account information, encryption keys, or passwords, they literally just retransmit heavily encrypted (and short) data bursts into and out of the internal server farm through a signal bottleneck. Thus ideally there is nothing whatever that an external hacker could hack that would mean anything.
Now this doesn't mean that the enterprising hacker can't steal money, just that they have to steal it from a specific account by getting a hold of an actual credstick or commlink and hack them to authorize the transfer of funds. However this is understandably dangerous, because doing so still leaves a trail of money transfers on the hidden servers that the hacker is probably in no position to do anything about. It is for this reason, that fraud of this sort is mostly confined to spending sprees on relatively untraceable goods and services rather than actually getting the money into one's own credit line. And thus we get back to the question of eliminating the middle man: it is often plain easier and safer to just hack a carpet supply warehouse to think that it should deliver you some sweet rug than it is to hack a stolen credstick to transfer money to the carpet supply warehouse and “purchase” the same rug with money that may well be flagged as illegit in days, hours, or even seconds. For this reason, personal credsticks are often left to lie by hardened criminals.