Sorry I agree with you. I didn't mean fraud was a big cost, only that social spending (including non-fraudulent) seems to be very high and not tightly controlled (which as a side effect allows for easy fraud). From the outside society seems very stratified. Plenty of Telsa's in Amsterdam and people with expensive tastes. NL is obviously a very wealthy place even compared to neighbouring countries but also has a large less wealthy population. This is another angle to the problem (in addition to the corp tax regime) because it unfairly puts the tax burden on people like yourself.