Things got out of hand when an insurance fraud hack was introduced which caused the personal vehicle of the hacker to automatically self-destruct and fool the game into thinking another player in the lobby did it, thus deducting the insurance fee from them. The Xbox 360 and PlayStation 3 were about as lawless as online games could get due to both platform's hardware having been cracked years before, people were using character transfer to enable hacks and cheats on the un-cracked current-gen consoles and the PC was about as open and easy to hack as the older consoles. See, back in 2016, hacking and modding in GTA Online reached its height.
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