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If a MO is stolen, and that's what happens if the deal is a fraud, you can file with the PO and get a full refund. They will investigate and charge back the account that cashed the MO.
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Well, let me tell you what happened to me.
I had $3K worth of postal M.O.'s go missing after they were mailed.
The post office said there is no way to put a stop payment on them and when I called the US postal inspector he stated it's only fraud if the person who cashes them is not the person they were made out to.
It cost me almost $50 to put a trace on them ($16 per M.O.) and all that gets you is a photo copy of them when/if they are cashed. If after 60 days they are not cashed then they will reimburse you. If they are cashed by someone other then who they were made out to then the postal inspectors office will investigate. If they were cashed by the person they were made out to then you are SOL. It becomes a civil mater.
It was eventually found. It had been misrouted to a P.O. about a 1000 miles from it's correct destination were it sat for a while before someone noticed it.
Jim