Some people are exceedingly good at working out ways around the law to make a lot money. Here is how I think their story works in many cases (I have no formal e

Some people are exceedingly good at working out ways around the law to make a lot money. Here is how I think their story works in many cases (I have no formal expertise): I expect these days in developed countries most of them start with credit card fraud in their teens and usually go to prison. At that point they either reform (I know of two such individuals by name, one is a friend sysadmin/CTO now and the other is Stephen Fry) or they get recruited in prison into an existing criminal org. From then on they acquire knowledge on how to crime from people who have the experience.