fraud triangle"
Experts have identified the "fraud triangle": (1) the opportunity to act dishonestly, (2) an incentive or pressure to do so, and (3) rationalization of their actions. In short, you need an offender motivated either by financial gain, pressure to perform or a threat to their power, money or status; you need susceptible victims; and you need an absence of controls to prevent or halt the scam. It seems we can only regulate the first of these three elements.