I thought the more serious issue was that it completely ignored the issue of risk: I may have a slight suspicion that someone is noton the up-and-up, but assess

I thought the more serious issue was that it completely ignored the issue of risk: I may have a slight suspicion that someone is noton the up-and-up, but assess that the probability of dihonesty is low enough and either the cost of the indulgence is low enough or the cost of not having one is high enough that it's a net good gamble.