> It'd be so much more efficient to just stab-stab-stab and take the money directly.

which is exactly what the law of the jungle is. And guess who sits at the top within that regime?

Humans would devolve back into that, if not for the violence enforcement from the state. Therefore, it is the responsibility of the state to make sure regulations are sound to prevent the stab-stab-stab, not the responsibility of the individual to not take advantage of a situation that would have been advantageous to take.