Greed, incompetence, greed, a culture inured to fraud if at all possible, and greed. With a liberal dose of "even if we have to pay up it'll never make a dent

Greed, incompetence, greed, a culture inured to fraud if at all possible, and greed. With a liberal dose of "even if we have to pay up it'll never make a dent in the revenue stream, so who gives a rat-f*?"