You're making it sound like every decision people make is a financial one. That's factually untrue. Most people make decisions on the combined basis of self-i

You're making it sound like every decision people make is a financial one. That's factually untrue. Most people make decisions on the combined basis of self-interest and their personal views on morality. There are plenty of things people could do to ruin the lives of other people that aren't technically illegal, and ruining other people's lives can have financial gain, especially if those other people are business competitors. Yet we don't do those things. Why? Because self-interest isn't the sole driving force behind human behavior. It's one component. So while I happen to agree in this specific case that taking advantage of these kinds of legal loopholes for personal gain is to be expected and that the incentives need to be changed, it seems ridiculous to call people economically illiterate for understanding that behavior is not determined solely by self-interest.