Answer: Start breathing heavily and suggestively into the phone … (not!)
Better answer: Talking about something illegal is a crime called "conspiracy," and people are arrested and indicted almost daily for the crime of conspiracy. The only way to avoid arrest and indictment for wire fraud (at a minimum), and any number of other charges relating to the actual suggested conduct, is to rebuke your friend immediately. If you even joke that you might agree to participate, you can and will be indicted, depending on who is listening, and then you're forced to tell a jury one day that you were only kidding.
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