There is a lot of white collar crime, vs just stuff people whine about at occupy because it is unfair, which involves breaking rules, laws, etc., but depends on not being able to be detected, identified as a crime, identified as a suspect, located, sufficiently chargeable according to a GJ or civil suit, not meeting evidentiary standard for conviction, pleading to something small, or reward outweighing risk-adjusted cost. (In decreasing order of ideal white collar crime).

As a former auditor, your "no legal evidence" is comically wrong. They own the people that would prosecute them.

Your definition of white-collar crime is way off the mark. White-collar crime is real crime. Fraud, embezzlement, and money laundering are not "loopholes around laws", they are crimes just like murder, larceny, and rape. The government brings prosecutions all the time, and there are plenty of white-collar criminals in prison and paying hefty fines.

The absence of violence (murder, rape, assault, robbery, etc.) or physical force against property (burglary, grand theft auto, etc.) is what defines a white-collar crime. They involve abuses of trust. "White-collar" just refers to the fact that people in white-collar professions are typically the ones have enough power entrusted to them to be able to commit these crimes.

Of course, there's no perfect taxonomy and you can argue all day about whether a particular crime is white-collar or blue-collar.

I don't think that's generally true - 'white collar crime' is used to refer to bankers etc. breaking the law. It's just a) hard to prosecute and b) the politicians are unmotivated to pursue it as it's their mates c) it's often institutional, eg HSBC was involved in money laundering but which individuals do you go after? If you're just looking as using loop holes probably most do that and would be annoyed it you call them criminals.

Your understanding is completely incorrect.

White collar crime is real, actual crime and violation of real, actual laws. It refers to non-violent, financially motivated crimes. But they're real crimes.