The “intentional” part of your claim is extremely dubious, even if I agree with it if you omit that word. I don’t think there’s an unintentional relationships

The “intentional” part of your claim is extremely dubious, even if I agree with it if you omit that word. I don’t think there’s an unintentional relationships which facilitates and under-punishes fraud, but I don’t think there’s a conspiracy afoot.