Years ago a friend was searching her daughter’s room and found a driver’s license that showed her being 21, when in reality she was 17.
She showed me the license and I couldn’t tell it wasn’t real. We went to a friend’s bar and showed it to him. He insisted it was real, using a UV light, magnifying glass, etc.
I guess difficult-to-counterfeit =/=impossible-to-counterfeit.
Counterfeit and fraudulent aren’t the same thing. A DMV employee taking $100 to print a fake ID on real stock is not unheard of. In the same vein, we had someone steal a business cheque we had sent out and alter the payee. We got our money back because it was a fraudulent altered but genuinely issued cheque. A fake cheque would not have had the same protections.