Yeah, on small stuff sure... Its easier to pay than to fight. But anything over 50K gets into a different level of scrutiny. Its all in the business model anyway.
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Still dont mean a person will get caught. And they can just do many small ones. You're acting like this shit never happens. People get away with literal murder all the time. Data breaches happen all the time, with noone getting caught. And over 50k? People with that much are a very small minority as far as btc is concerned. If it can work then so be it. I just dont see it.
And even when people get caught, still causes a rise in premiums. All those investigations take up resources. And the more fraud, the more resources.