Financial crimes are literally crimes that deprive people of their financial property. They are crimes because property is understood to have utility. This isnt rocket science.
Under me is 1000 salesman. Every salesman knows and understands I am selling a plan that will deny or delay for some covered minor ailments that once in a million set off a chain inducing death.
As CEO of ICI I collect $300M in premiums and from that take $3M.
After selling a million policies, a patient dies as a side effect of intentional strategy of denying authorization to pay for care. That plan is traced to going through a single salesman, who collected $5 from that sale and $50k in all his sales. From that same sales, I, the CEO only collected $1. That is, the dollar profit for the death is greater for the salesman than the CEO.
The salesman and I are both direct paths in the death, in fact the salesman more than me, hell the salesman even made more of a commission than I did. The public will likely hold me more in contempt.
Can you explain what point are you making and how does it relate to what we were discussing?
As for where I started, my initial comments involved both financial crimes and drug dealing. Most but not all probably consider insurance fraud as a financial crime but one that some can only atone through vigilantism. The line to me on all accounts looks blurry.