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these people are not exactly criminal masterminds. same for the FTX guy

FTX guy didn't really have time. One day he was rich and famous, next day he was a criminal.

Holmes had years to plan, as she knew for a long time that she is eventually going to jail.

FTX guy literally owned by proxy rights to a yacht. I seriously don't get why he didn't flee the island as soon as he knew the jig was up.

because then the US coast guard would grab him, and he didn't figure that the Bahaman authorities would do anything