The goal of bankruptcy laws is not to rob you blind, but to find a mutually acceptable way out of a bad situation. At least in the US, most bankruptcy is civil bankruptcy. There's no element of criminal justice at play. It's about what's practical, not what's fair.

It shouldn't need to be said, and yet it appears that it does, that bankruptcy is not without consequences for me, even if you fail to rob me blind in the process. A bankruptcy will limit my ability to rent an apartment, get a car loan, or win certain jobs. There is no story of people scamming bankruptcy in the US, not even in the recent past when educational debt was still dischargeable.