What you are overstating is the prevalence of fruad not that it exists or that it is a problem. While both are true I dont see rampant fraud in fact I see less today than I have in many years.
We will never stop fraud. It is pervasive in our society. You will always see some fools and frauds benefit while at the same time as many or more lose everything. From what I see most of those guilty of fraud have fallen into the second category or soon will.
With that said, I hear claims of rampany ongoing fraud but not a single concrete example. You mentioned knowing of people buying back their homes fraudulently in short sales. Can we see one real example? I’ve not seen one yet.