If you take bigger salary in exchange of defrauding people, say by denying insurance payment to people who should have it, you dont have "not defrauding" as a value.
Every US president since FDR would have “not killing everyone” as a value by not hitting the big red button. Almost nobody else will get to be tested in that way. Is that actually a value?
There is also a private information problem. If it never occurred to me to defraud investors, but it was retroactively discovered I could have (and gotten away with it?), do I get the “doesn’t defraud” value? Does the more evil version of me get the value, as long as they thought of it but didn’t act on it?
This doesn't apply, your morals are only tested once you have to sacrifice something that you find valuable in order to uphold your morals, whether that is money, power, or something else.