depending on his profit margins and how much he is actually paying out every month...he may not even feel it is worth his time to go through a bunch of extra measures...
When running a business, theft and fraud are a cost of doing business (as crappy as it is)
Oh yes definitely. And as the OP states "Rates have been changed due to people attempting to game the system". It's all already considered, however it's still sad. These aren't major amounts people are scamming for either, it's relatively small amounts, which is just in bad taste.