[galaxyLogic]

Exactly. Everybody seems to be throwing around the word "optimal" but not asking "optimal to whom?".

The article was kind of long-winded so I didn't read it all. But has a catchy title. So is the title about

a) Optimal amount of fraud to the society at large?

b) Optimal amount of fraud to the businesses which suffer a loss because of it?

c) Optimal amount of fraud to the customers of such businesses?

d) Optimal amount of fraud to the chief of fraud-prevention department?

e) Optimal amount of fraud to the fraudsters?