Maybe because that's been proved to be irrelevant?
I bought mine from some seller on allegro.
I don't remember his name or anything else but he had a reputation good enough for me to send him a wire transfer.
What does that mean to you?
There's no need to think a lot about this.
mBbank unlawfully decided to keep customers money just because they can! They refunded some pains in their ass but they'll keep most of the money.
When it all started it made sense to question their reasons.
In the following months it became obvious what their intentions were from the beginning. You just need to read this thread!
Forget about resellers actions and everything else.
mBank is scamming people because they can! End of story!