Economy

First you take your capital and force wage slaves to generate your profits for you. Then once the product gains traction, you make a worse and worse product over time and cut back on human rights for your wage slaves.

People willingly gave checks to friends that were larger than they could actually afford. Those people then attempted to withdraw more than the total value of the check after deposit, which was successful. Chase failed to validate their software for edge cases exactly like this, which could very easily happen in good faith.

Let's not forget that there are people who very likely did this out of desperation. Throwing them in prison or issuing severe fines for learning about a bug is disproportionate.