is it happening literally is the most important question. people are clamoring for regulations and voiding consumer protections, over something nobody seem to find a independently verifiable source.

Lmao no. "The estimated amount of refund fraud" + "off the shelf AI can generate and edit photorealistic images" adds up to "refund fraud with AI generated images" by default.

There are enough fraudsters out there that someone will try it, and they're dumb enough that someone will get caught doing it in a hilariously obvious way. It would take a literal divine intervention to prevent that.

Now, is there enough AI-generated fraud for anyone to give a flying fuck about it? That's a better question to ask.

Well then you'll have no trouble to find a verifiable source of it happening and prove your point. something beyond "this person said" or "here a potential example to showcase it's possible"

The "some say" prior?

well then here's my refutation: some say this isn't happening at the scale this article claim someone say it's happening.

that should convince you by your own admission.

beside it's the article responsibility to provide evidence for their points. circular links leading to the same handful of stories is not "preponderant"

The "humans are stupid in all the usual ways" prior.

You might as well be asking for proof that humans use AI to generate porn.