Being incompetent is far less illegal than covering up your incompetence with fraud. If you don't cover up the first stolen funds, people will have a sense of

Being incompetent is far less illegal than covering up your incompetence with fraud. If you don't cover up the first stolen funds, people will have a sense of the risk you pose and there will be less opportunity for future stolen funds because your customers will leave or beat you with a stick until your security improves.