I have special insight into this situation (including both companies named within) and it is exactly as the article implies. These people are printing money on the backs of regular (unsuspecting) people, and nobody asks questions because of the amount of money involved. To be quite honest, this is what I imagine the fine line must look like, which exists between things that don't need regulation and things that do. That fine, fuzzy line of "These people are obviously up to some hinky bullshit and lying-not-lying to everybody involved".