You’re assuming an intentional scam frame of mind instead of increasing “i know this is wrong but it’ll save things” frame of mind. Criminals are stupid and ra

You’re assuming an intentional scam frame of mind instead of increasing “i know this is wrong but it’ll save things” frame of mind. Criminals are stupid and rarely think of themselves as openly malicious. Making a competent escape plan is admitting to yourself that there’s a good chance of getting caught and jailed. People in this situation are more likely to be of a mind to think they can save things and get away with it.