I think they're fair questions - nobody is advocating doing them and as has been pointed out it would likely result in having your account frozen for audit and/or termination of membership. However thinking out loud on such things doesn't mean you're about to go ahead and commit them, I just happen to find it interesting. In my previous job I think I could have committed significant fraud/theft with knowledge of internal processes and weak spots in my employers security, I certainly would never have done so though. I could also reel off a whole raft of examples when working for another employer where I later found out various people had chanced their arm with their own schemes for personal gain and were getting away with it.... until they got found out.