But, do keep in mind that this won't always be the case. Tools are making it ever-easier for people who know practically nothing to break into the product space without the filters that you'd normally get from someone going through hard sciences in school.
Since there are so many new makers with engineer-like skills, it means you'll have more sociopaths in sheep's clothing in the future.
Still, there are ways to interview for meritocratic behavior.
1 - The bank signed a copy then gave one to the customer to sign. If the customer changed the print at this point, it would no longer be valid.
2 - What this guy did, the bank gave him a copy, he modified it, then signed it, then sent it back, to which the bank approved. Which is still technically valid.