It’s always the simpler answer, and as you point out looking at the sum of potential incentives usually points to the simplest solution. That being incompetence

It’s always the simpler answer, and as you point out looking at the sum of potential incentives usually points to the simplest solution. That being incompetence and laziness, not a large organized campaign of corruption by the wealthy elite. I highly doubt the people engaging in PPP/Covid fraud are the typical power players in gov. Those people steal money through much more legal means like gov grants and contracts that end up costing 4x and taking 2x longer.