Interesting observations from J & M.
The "courier driver" will probably get away with whatever he has received despite his piss poor performance unless ofcourse, he has received a recent "bonus" which can be proven to "out of the ordinary" and a preferential payment. This in turn will depend on whether the "ANZ adviser" has enough cash in the kitty to fund this pursuit. Don't hold your breath.
If it does go down the path of insolvency and investigation just watch the rats run and hide, friendships will count for nothing and MJ will be left holding the bag.