

You’re right, and it’s actually not that hard to show, using actual real world examples, that the rules are stacked. Among federal criminal lawyers (and both of the examples here are federal crimes), it’s basically common knowledge that the punishment for bank robbery is unusually harsh compared to other crimes, and that the risk/reward calculus just doesn’t make any rational sense. It’s also common knowledge that white collar fraud is both easier to get away with and more lightly punished when caught.












Don’t sign up anywhere. Just do. The lack of coordination makes it harder to counter, at least not without other collateral damage to legitimate customers and the like.