| I think theres a rather large difference between finding away around the
  | law to defraud/steal from someone and finding a way to send money
  | cheaper/easier then existing methods.

  | I mean really, what business is it of the governments is it who i send my
  | money to??

My response about fraud was an example to highlight how 'working around the law' doesn't necessarily mean that you are or aren't doing something. You may not be doing it by the legal definition, but you can still be doing it by the 'common' definition.

  | designed to protect existing incumbents

So, you're saying that tenants breaking their lease agreements is a good thing. Because the tenant is 'disrupting' the landlord (the 'incumbent')?

If I have a house that I want to rent out, am I an evil person that needs to be put in my place by the tenants that rent it from me? Is there someone wrong with me wanting to vet the people that will be living in said house (especially since damage done to the house can be hard to recover in some municipalities)?