If criminals stopped selling to stupid people, they wouldn&#x27;t have much of a market.<p>Smart crooks don&#x27;t break the law. Stupid ones do.<p>Breaking the law isn&#x27;t cost effective, and I am not talking about morals, I am saying that the additional overhead involved in covering your tracks and the potential liabilities (years of $0 or negative dollars income, legal fees) doesn&#x27;t make sense.<p>Only rarely do you get a legitimately intelligent criminal, and that is often the result of personality issues&#x2F;emotional problems.