Well, you could look at it from the perspective of incentives. The number of people who would commit a financial crime for $LARGE_SUM in exchange for a short stint in prison is much higher than the number of people who would commit rape or murder for the same stint. Most people don’t even want to commit murder or rape. But most people do want money and if you presented them the opportunity to get it in a non violent manner that they could rationalize in any way…well, now you need some heavy disincentives.