The treasury dept. cracked down some on the corner stores here (Rochester, NY). The current m.o. is to take a recipient shopping. You buy $100 worth of groceries, charge it to their card then give them $50 when you’re outside.
That’s the ‘old school’ way.
By keeping the card the dealer can go at his convenience or send someone else or re-sell it outright if he wants to drop the user-client.