That's fair enough.
I will take my remaining time to make the point that I do think people often are embarrassed when they're taken advantage of. They're scared when they're financially vulnerable and have to deal with large organizations that they don't usually deal with and they're not familiar with the language. They're afraid of further consequences.
It can make it very difficult for them to co-operate when there's that financial threat, so having an amnesty for folks to be able to tell their story and not fear further repercussions is certainly one element in catching the actual fraudsters.