If it were a fraud as you state that's been going on for "years" as you state then it would have long since caught up with them by the FEDS and been shut down. It hasn't. Why? Because the "fraud" bomb is a dud man. Plain and simple.
They are supposedly incompetent but they are so wise and intelligent in committing an elaborate fraud and concealing it for "years?" from the feds? Now that is hilarious! hahaha