Maybe I'm naive but I think there used to be at least a modicum of self-restraint on this kind of thing. Sure, people always tried to make as much money as possible, but there used to be some limit somewhere - not because you'll get caught but because c'mon, we just don't do that! That seems to have now been totally lost.
Edit:
Also, in the West society in general is one of abundance with people housed, clothed and educated in school from birth, which IMHO removes a lot of incentives for scams and fraud.
But it used to be (and still is in some countries) that most people were born with nothing in a very tough environment and had to fight just to eat every day. The world of Charles Dickens was real.
"For my friends everything, for my enemies the law".
One can dream, the rich at the top write all the rules. It’s not like Joe Average is the one taking golf trips with Supreme Court justices and buying lobbyists to do their dirty work.