I would say that's it in a nutshell. But also that fact is carefully hidden to the point that when shown evidence of it in law, some cannot see it, nor believe it. If you step back and think like a master criminal, trying to come up with the perfect scam, that would suck in nearly everyone, you might start to get a grasp. I should think a really good scam would operate in partnership with government actors.
Have any links to your work?