What you are saying maybe true for very high profile breaches - but for most firms, the "has a high degree of debt to income ratio" is a decent signal to decide if that person may have reasons to be vulnerable to bribery.
What you are saying maybe true for very high profile breaches - but for most firms, the "has a high degree of debt to income ratio" is a decent signal to decide if that person may have reasons to be vulnerable to bribery.