I tend to think that big business is a bit more hard-nosed about it. I think they treat non-optimal human behaviours like a weather event - inevitable and unavoidable.
For example, I seem to recall that the payment providers define an “acceptable level of fraud”, which is to say that fraud must be kept under a certain percentage of current profit margins; of course this flies in the face of the commonsense view that fraud should be eliminated as an independent moral good. Following a quick search, I think this article covers a similar topic.