Yea; I think this is one of the times where terms of art matter. "Optimal" here doesn't mean like "It would be optimal for me if I had infinite money", it's a t

Yea; I think this is one of the times where terms of art matter. "Optimal" here doesn't mean like "It would be optimal for me if I had infinite money", it's a term of art in fields like economics that describes the best case of the available variables. This is how we end up going back and forth between "the optimal amount of fraud is non-zero" and "it would be optimal to have no fraud". Economics has to live with the world that exists, and there is no plausible combo of variables where people who are about to attempt fraud are instantly evaporated into dust.