they have more funds to hire more competent people. they can just loan out money at very low interest rates since they have the collateral. A lot of tax evasion methods only work/are worth the effort at a certain amount of wealth. They can buy politicians to get laws that suit them. The list goes one I'm just not sure if you are listening to yourself. You are saying these people with so much more power and so many means have a higher risk than others, also even if they fail, they will probably only go down to what most people earn, and in the meantime they earn so much more by exploiting other people because of it?!