> Namely, it's easier to deal with the consequences of "mistakes" than it is to not make them
What we're seeing is a widespread use of "fractional fraud".
Transactions and business lines that are 1%-5% fraudulent are unlikely to be challenged, but have a huge effect on profitability.
The best example I've seen is Bunnie Huang's deep dive on counterfeit SD cards [1]. Margins on SD cards are like 1%, so blending in defective cards at a 1% rate can double your profit. Another example is retail trade payment for order flow. A major broker-dealer was just sanctioned for front-running its clients.
As long as your defect ("mistake") rate stays below your customer's response threshold, you can keep doing it. It is impossible to overstate how important social norms are for policing this kind of misconduct.