@Fyrius
You make a good point, however, I believe most people would not. I am not a cynic, nor am I a Pollyanna, but I can say that I am just not built that way.
I went through a horrible divorce some years ago and all my friends were telling me to start stashing money, etc. etc.
I couldn’t do it.
I’m the kind of person that would HAVE to confess to my wrongdoings within about 24 hours or I’d spontaneously combust.
I may have been taken advantage of, but, in the end, I was the WINNER!
I played by the rules right up til the end inspite of my infidel ex who did hide assets and clean out bank accounts.
It sucked, but I walked away with my character intact.