StupidPeople
I interned at a company that did 10 million a year with a website built with nothing but the w3schools tutorials. You could print the database from the login form as it was started by a guy who just read those tutorials.
We weren't allowed to fix it either as the owner didn't want a system he didn't understand.
Currently my company just assumed that Spring handles all those issues for us.
Many banks were insolvent after 2008. The government fixed that.
Libor fixing us too complicated for most to understand and it mostly hurt you if you didn't ship around.
I'm fine with fraud as long as it mostly hurts those who can't be bothered. Still a happy client of Wells Fargo.
Wirecard has the problem of impacting diligent people who will actually take action against them.
Except learning isn't really the reason most go. It's to get a well paid job at the end of it.