Simple IT WAS A SCAM. Occam's razor When competing hypotheses are equal in other respects, the principle recommends selection of the hypothesis that introduces the fewest assumptions and postulates the fewest entities while still sufficiently answering the question. It is in this sense that Occam's razor is usually understood. To quote Isaac Newton, "We are to admit no more causes of natural things than such as are both true and sufficient to explain their appearances. Therefore, to the same natural effects we must, so far as possible, assign the same causes."[3]
THIS MEANS
The Simplest answer is usually the right answer. So Urban and JE were thieves and this was a scam OR This was a huge complicated scam.