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Presumably, so they can trace it, but that is not guaranteed to work as a measure against crime either. At any rate it isn't up to us to explain why we have the money on us, that is their job. The lack of common sense in law enforcement here is infuriating. They'd probably be doing something similar to Universal Credit claimants in UK if something like this has not happened already, I would not be shocked to find out this already has, the DWP do mess people about when it comes to things like overpayment, which is different from fraud.