It's not a card with $5000 on it though. It's a card that you can commit a crime potentially spending $5000 with, potentially going to jail for, and struggling to launder the proceeds into something you can spend yourself. If the odds of that working out are less than 0.5%, maybe it's overpriced.
But you have already committed a crime by skimming a credit card and stealing a PIN. Why not go all the way then? Is it somehow riskier to interact with an ATM than to install a skimmer on it?
Because of more prison time. The moment you start pulling money off of someone else's card either an automated system will trigger an alert or the owner of the card will get a push notification about a withdrawal and the authorities will get alerted.
Just skimming can remain undetected for quite a while, but the moment you start stealing money, your risk will go up dramatically.
