When I was in grad school, during a lecture by some free market egghead who was going on about this stuff, I raised my hand, being the ignorant student that I was, and said something like, “I think I get what you are saying but none of it accounts for the criminal mind.”
The guy stopped in his tracks and mumbled something. I said something like, “what you are espousing is great if everyone is thinking honorably but the fact is that there are people out there with criminal minds and will always look for ways to exploit the system for their personal gain at the expense of what is fair to the masses and that makes me question whether your theories are valid. There is no accounting for the criminal mind.”
The stooge just moved on and never answered.
All that being said, the real criminal minds aren’t walking into banks with a note, a ski mask and a gun. They are working from the inside, wearing nice clothes, living in big houses, getting their names in the paper, living high on the hog and ripping everybody off. They skate.