It can happen anywhere!!
I went to my bank before I came to Calis last October and found I was missing money. Got a statement and found that money had been spent on Virgin Media and BT mobile. Contacted TSB, got through to the fraud squad, they took all the details, refunded my money and not heard anything since!!
There are enough WARNINGS on CBF if people are prepared to read, listen etc.
Also know at least 2 people who done it deliberately with travellers cheques!!