Dear PAO,

A few months ago, a former college classmate asked me if he could borrow my bank account. Since I had just returned from working abroad and wasn't using my account with XXX bank, I declined his request. He approached me again a few weeks later, offering a significant amount of money. He even proposed paying double if I could provide another account belonging to a family member. Honestly, I was tempted to surrender to him my account and my wife's bank account because we needed the money. But after much thought, I decided to decline again. Recently, I told my cousin about that offer. My cousin told me that this college classmate of mine has been involved in scams and online fraud. He also warned me that I could have ended up in jail had I given our bank accounts. Is it really possible for me to be held liable if I had actually lent my account and persuaded my wife to lend hers as well? I just want to know so we can be more careful in the future.