Of course it's speculation and allegation. We need to audit financials and operations to provide proof that he's lying. I can't do it. You can't do it. Authorities can do it. Or, Buzzy can do it too, by putting a little bit of money and hiring an independent CPA to do the audit. Instead, Buzzy does everything to avoid the audit. Why? Because Buzzy is stealing and covering it up. Why else? Cost? it's inexpensive to do so. Quacks like a Fraud, walks like a Fraud, smells like a Fraud,... it's very likely to be Fraudulent.
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