Going through hoops to have to cash out some of your money is a big red flag you're probably scamming yourself.

I think it works similar to most low-tier street crimes. If you zoom out and look at the vast majority of the "labor" they only make some of the pennies they keep. In the same way there are a few stand-out "high tier" drug dealers, etc. there are a few scammers collecting a decent check, but the vast majority are stepping over dollars to pick up pennies.