When money is at stake, never attribute to incompetence what could be attributed to greed.
EDIT: I see esmifra on Reddit said this six years ago... but not sure "esmifra's razor" would catch on either. https://www.reddit.com/r/wikipedia/comments/8itqf5/comment/d...
And I see there is a similar but less catchily-worded concept, "Hubbard's corollary" from 2020 mentioned in the Wikipedia entry for Hanlon's razor... https://en.m.wikipedia.org/wiki/Hanlon's_razor