In a stunning display of bipartisan efficiency and cross-industry harmony, both the government sector and the insurance industry have quietly arrived at the same enlightened conclusion: fraud is bad… but not that bad. After decades of costly investigations, audits, task forces, committees, subcommittees, and strongly worded memos, leaders across both sectors have discovered a groundbreaking truth: eliminating fraud entirely would be far too expensive—and frankly, a little obsessive. Instead, experts now agree that a modest, well-behaved amount of fraud—hovering comfortably around 5–6%—is not only tolerable but economically optimal. Some are even calling it “fraud with boundaries.” ⸻ The Goldilocks Zone of Fraud According to internal analyses that no one is eager to publicize, both sectors have independently discovered the same magical threshold: • Too little fraud? You’re overspending on prevention, investigations, and compliance. • Too much fraud? People start asking...
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