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So you are saying you wouldn't take the chance at walking off with tends of thousands of dollars worth of hard to trace currency?
Correct. I don't need to steal and greed doesn't motivate me.
The only difference between "white hat" and "black hat" is that one has decided the risk isn't worth the reward.
Not true.
And if the only thing keeping you from unethical and malicious behavior is fear of punishment then you will never understand the mindset of those who don't make their decisions based on such selfish and simplistic arithmetic.