Yes, lots of people took advantage and are we all going to have to pay for it some way. What these reports rarely answer is how do we prevent it from happening

Yes, lots of people took advantage and are we all going to have to pay for it some way. What these reports rarely answer is how do we prevent it from happening again? The money was vital to keeping the economy going under a very stressful situation. So not implementing a rescue package is not an option. What's the best way of doing it so that criminals don't take advantage again?