I don't know how old OP is but I did a lot of dumb stuff on the internet 25+ years ago when I was a teenager. Including writing viruses and stealing credit card information. I'm glad things were a lot different back then.
That goes well beyond doing “dumb stuff on the Internet”
It doesn't translate to today's Internet.
(This would have been ~25 years ago, maybe a bit more)
Wonder what the implications of just taking the CC numbers 20 years ago would have been?