What the lesson is in all this is that: It takes a LOT of clever planning, anticipation and work to outwit those who are trying to manipulate the system & the rules for their own benefit!

Short form: The crooks work harder than the regulators to find loopholes and divert the money flow.

It will take awhile to get THIS administration set up to monitor all the shenanigans which the former administration didn't bother with...or actually abetted.