> How in the world can 5000+ people be "rogue employees"?

Well they have 265,200 employees, so I can see 1%-2% of people maybe trying to make a quick buck. You probably know at least 100 people. Can't you think of at least two of them that would get up to some shady shit for a buck, given the opportunity?

Out of those 262,500, how many would be in consumer-facing sales jobs where an opportunity to run these scams existed? One should look at 5,000 as a percentage of /that/ number.

Easy. Calling them anything else would mean "...and this was an open secret within the company." Show me a single company willing to admit to fraud at this scale.