I've seen this up close, and yes, true. By the time kids have left education, they've normally been exposed to (and probably practiced) all manner of cheating,

I've seen this up close, and yes, true. By the time kids have left education, they've normally been exposed to (and probably practiced) all manner of cheating, whether it's faking a certificate, copying an essay, cheating in an exam or just straight up lieing. It's a vicious circle because it's valuable preparation for a society that often demands cheating (ie. if you don't cheat, you can't get anything) but it also produces people whose MO is "get anything you can by cheating, and just don't get caught". Like a society wholly made up of investment bankers :)