> how does fraud get monetised? Once i have downloaded my millions of credit card numbers from Tor (or stolen my friends mothers wallet) I need to persuade a merchant to deliver me something - but it's always bugged me that they actually have to deliver it. to a physical address. that can presumably be traced.

Once you get your hands on someone else's card info, you bust out by buying as many prepaid Visa cards and store gift cards as their limit allows before the card gets shut down. Then you use them or fence them for cash by selling them on Craigslist.