I've used FIM in the past to catch a CEO modifying files in real-time at a small business so I could ping him and ask him to kindly stop. It's not just about BS _processes_. :D
FIM is very useful for catching things like folks mucking about with users/groups because you typically watch things like /etc/shadow and /etc/passwd, or new directories created under /home, or contents of /var/spool/mail to find out if you're suddenly spamming everyone.