I wonder if this might unintentionally incentivize _more_ cases of embezzlement. After all, gambling addicts with dysfunctional moral compasses could say, “and

I wonder if this might unintentionally incentivize _more_ cases of embezzlement. After all, gambling addicts with dysfunctional moral compasses could say, “and if I lose, grandma can still get her money back”. Much in the way that employees/friends/family members justify stealing credit cards because ‘they can just report it as fraud’.