Given the way the financial world occasionally fucks everyone, I think that large scale unauditable transfers of cash around the place may well be bad in and of themselves.

I don't really see a difference between the two.

The first is what everyone can agree on is evil and the later is what we haven't agreed on (or not yet).

To quote from the page on malum in se; "The phrase is used to refer to conduct assessed as sinful or inherently wrong by nature, independent of regulations governing the conduct", which I don't think is a thing tbh.