Fraudsters almost certainly gain access to old accounts specifically to "buy" that trust and then farm it for their own uses.
I wonder how much a 20-yr old Amazon account is worth on the grey market. Mine is about that old, and I have – legimately – returned thousands of dollars worth of goods (that were faulty or just didn't work the way I liked) and it is probably very difficult for Amazon to distinguish between my legitimate returns and a hypothetical alternative where I'm a fraudster that just purchased this old account and am laundering broken electronics through the returns system.