It can be simultaneously true that "everybody does it", that it's "clever", and that it's "abusive" and breaking the rules. When people gamble on disobeying ru

It can be simultaneously true that "everybody does it", that it's "clever", and that it's "abusive" and breaking the rules. When people gamble on disobeying rules because the odds of being caught are low and so are the penalties, I think it's self-deception to call it a "loophole" with the implication that it's somehow legitimate. Like tax evasion.