Well wait. Why do allow room for the concept of “incentives” when it comes to police but not when it comes to criminals? Incentive for crime is surely not “evenly sprinkled” across income levels?
Yeah you're right, far more money to be made in white collar crime.
But white collar workers are less likely to be living in life or death levels of poverty. Dire circumstances and lack of alternatives incentivize criminal behavior, while accumulated wealth and social factors strongly disincentivize white collar crime. You’re correct, the payout for white collar crime is potentially unlimited but most white collar crime isn’t Sam bankman Fried it’s low level (often teenage) crypto trading.