White collar crime is currently more akin to investing in the stock market or mutual funds than it is to playing the lottery, and a lot more people invest a lot

White collar crime is currently more akin to investing in the stock market or mutual funds than it is to playing the lottery, and a lot more people invest a lot more money because you're likely to have a positive return. You can still loose, but it's probably a good investment. A fine proportional to the resulting profits and the risk of discovery would change the profile from the former to the latter, and would hopefully result in fewer people playing the game.