In the charitable world, matching is generally a scam as well, but a more benign one. The big donor has already pledged the whole amount, and agreed to allocate some or all of it for matching. But if the small-donor contributions fall short, it’s not as if the big donor then rescinds part of their donation. It just goes onto the books in different pieces.
Meanwhile, it should be really scary to have wire fraud as one of your smaller problems:
A person can face very serious penalties if he or she is convicted of wire fraud. First, it is important to understand that a person who is convicted of wire fraud can face penalties for each single fraudulent act. For one act of wire fraud, a person can expect to face the following penalties:
Fines up to a maximum of $250,000.
A prison sentence up to 20 years.
per fraudulent act.