Isn't this a huge point developing here now? that in consumer finance, those who run the show routinely are shown cheating overall. What is the gain/pain ratio on cheating in consumer finance? The list of legal requirements and safeguards seem to get longer at the same time as cheating on them gets more common.
I am not at all convinced that the consumer is protected here. Multiple avenues -- some offshore using agents who operate blatantly outside the law, and secondly accountants and admins who get numb to daily cheating, and do more of it. I will go full YOLO and add that I think the waves of pain killer abuse and common alcohol culture, directly contribute to norms of low-level cheating over money like this, especially where it is "just data" and not actual money moving around.