Yes, absolutely. It is ludicrous. But I think the real reason is those people attempting fraud are fundamentally psychopaths: they can't think correctly about

Yes, absolutely. It is ludicrous. But I think the real reason is those people attempting fraud are fundamentally psychopaths: they can't think correctly about a future where they're being caught. They fix the present, one lie at a time, and get an immediate, narcissistic personal reward every time they fool someone. They also think rules don't apply to them, and most of the time they're right, as they most often get away with it.