In that case I call bullshit. What I described can work (relaying banking apps on the victim’s phone to authenticate to ATM), with cards it should not. If you read the comments on the site you’ll see people are just as confused as to how this can work.
May I ask what fake location do you intent to provide? And have you considered that it might invalidate your claims? Like, you say your car had an accident but your location says you’re in Antarctica, and they use that to weasel out of coverage.