More-over, he had time on earth to accumulate the experience/maturity that eliminates stupidity as an explanation, but also not enough time to accumulate the responsibilities that sometimes explain fraud.

Fraud at 18? -> Stupid kid (obv., fraud is never ok)

Fraud at 45 with three dependents on the verge of bankruptcy? -> poor bloke, the choice between a big personal risk vs. failing your family really sucks (obv., fraud is never ok)

Fraud at 27 with no real responsibilities in life? -> WTF?

How come? Opportunities are out there up for anyone to grab.

If anything, the guy deserves credit for spotting them earlier (than usual, if that's what you imply).