Same thing with stolen art when seller who bought the item 30 years ago didnt realize the art was stolen 20 years prior to his purchase and changed hands 5 times...
if the original act was criminal it doesnt matter how many times it changed hands..you dont have clean hands defense
you are arguing a clean hands defense basically...if the action is criminal/fraud you dont get that defense...
its unfair burden on victim to track everyone down....of course the seller who just reimbursed the money can now go after the person that sold him the card ..
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