Some of the most profitable ventures this century have been objectively illegal, but when you know you won't go to prison for violating the law, why would you care to follow it?
She willingly conjured up fake financial documents to suit Sam's needs. She had the kind of credentials that would have easily landed her a job at other financial institutions, she absolutely could have quit at any point.
I don't know if I agree that mobile apps are on the same level as electricity and internet connectivity in terms of how crucial they are to be productive citizenry.