The moralisers may well be winding you up, presumably because you dont want to hear what doesn't suit you. That is not uncommon generally but certainly it is a widely held view when somebody is attempting to justify what they know is wrong.
It doesn't bother me too much if a person wants to borrow money with the intention of not paying it back.
In much the same way it doesn't bother me much if you want to steal food from a shop because you are hungry.
It doesn't bother me if you want to drive through a built up area in excess of the speed limit because you are late.
It doesn't bother me if you want to claim unemployment benefits whilst you are actually working.
It doesn't bother me if you want to make a false claim for compensation because you a bit hard up.
None of these things bother me, because they have such a negligable impact on my daily life, and because I do not know you. If that were not the case then I would be greatly bothered.
The virtual parents out there can hypothesize to their hearts content, but in real world 1.1, ethics and morals, values and behaviour are something that you spend a lot of time trying to impart on your offspring sometimes with very limited success.
It has already been repeated many times that people do find themselves in trouble sometimes for a variety of reasons that may or may not be within their control. Maturity is in part a combination of your ethics, experience, behaviour and character. Maturity is also an important attribute in what an employer (certainly in aviation) is looking for. If a potential employer suspects or perceives such weakness it is unlikely to be a point in your favour ? As far as bankruptcy is concerned, some employers will run a credit check. I have seen this on application forms for overseas companies (the latest growth markets.)
It doesn't bother me too much if you want to defraud banks, insurance companies or anybody else. Some of the nit wit ideas on here are in fact little more than passing entertainment. I was however surprised to see the forum moderator promoting such ideas.