Fake currency notes end up with the guy who is least capable of clearing them

In my opinion, this is a sort of Darwinian thing. Guy A gets a fake currency note from some random Mr. X. Guy A cleverly passes it on to a guy called B, who is also able to cleverly pass it on to C. This process continues until the fake note comes into the hands of a guy F who isn't clever/smart enough to be able to pass it on to someone. Guy F is the guy for whom this fake note leads to actual monetary loss. Since F was anyway not clever/smart enough [to earn, to protect himself, etc.], this monetary loss is an additional nail in the coffin of his genetic makeup, again in a sort of Darwinian way.