He is correct. This is how I build my cases. I would just be aware that any interaction with the financial system can quickly become criminal. Whether it does

He is correct. This is how I build my cases. I would just be aware that any interaction with the financial system can quickly become criminal. Whether it does depends on a whole range of factors, but the option is always there. (Incidentally, the same goes for insurance companies. Can go criminal at any time.)