I agree that you shouldn't game the system... but to be perfectly honest, good shit sometimes doesn't rise because there is an insider crew on HN. Not saying it's bad, just the truth. The post is helping just get noticed. 10 upvotes total is not going to keep you on HN frontpage forever, but it will get you noticed and then if you wrote something good it will stay there and move organically. All I'm saying is the first 30 minutes is the most important time and just put yourself in a position to get on the frontpage and in front of people.
Dwolla puts a lot of attention towards fraud. Have you seen any of the recent changes on the site, articles about how Dwolla combats fraud now? If you want to have a real conversation about it- feel free to email me at Alext@dwolla.com.