You ignore the fact that the 99% of the cheat probably has or had a good reason to be there for one reason of another. The actual responsibility is probably mul

You ignore the fact that the 99% of the cheat probably has or had a good reason to be there for one reason of another. The actual responsibility is probably multi-layered with the majority of contributor unknowingly participating in something fishy. I remember that I worked on system that allowed a financial firm to change a account value outside of all the accounting routine and a way to transfer money from a shared account to any random external account. Sounds fishy, but the explanation was reasonable: this was the way to model dividend. Actual dividend money was coming in one account, the payment/reinvestment from another with a reconciliation done later on. This reconciliation was done by that department operational floor from data coming from other departments, with systems upstream and downstream. I may have unknowingly created the final piece of a massive international fraud system, but I have no idea and all the people had a valid business reason and nothing to gain. Because that's the point, if I knew and I was willing to actually participate in fraud, I would like a cut in it and a serious one as I would literally provide a gun with my real id from a regular shop knowing you will use it for a bank robbery.