Most of these "hacks" are inside jobs. They come up with excuses so they can easily run away with users' money. I've seen it time after time and it looks like this will never stop as long as there are greedy people in this world.
to look for things that are instant or easy to get will indeed or always get easier and bigger than we are trying to behave honestly but the risk if caught as a hacker is very big and for what we do that if working honest can be enjoyed more