Elizabeth, in response to your question as to why these people are doing this and whether they understand that they might end up screwing themselves...

The people doing this are the same sorts of people who are out screwing around on their wives. You could ask the same question? Don't they realize that sooner or later the whole thing is going to blow up in their faces? They are arrogant. They figure they'll just keep going and not get caught. I know Orthopedic Surgeons who lost everything because of a cocaine habit. What were they thinking? Look at Bernie Madoff. What was he thinking? Look at Adolf Hitler. What was he thinking? Did he really think he'd just keep going forever and never be stopped by someone? Bull