So isn’t illegal to offer a bribe? if true” ,when does someone on Wall Street pay?

While rates went up, some members were no longer able to pay and lost some past contributions. Who got them? Were the rate hikes that made the program dysfunctional for the members, to the point that they had to quit, a part of this crime?

My wife wants to buy long term care, scares the piss out of me.

I know I am pretty ignorant on these topics, so flame away for that, but explain this stuff please.