How fraud is punished is irrelevant; we’re looking to explain why few complaints of fraud are filed. A comparison to other nonviolent crimes is also unhelpful in explaining why so few complaints are filed.

Information about complaints that were filed and investigated is irrelevant, because we're just concerned with the complaint stage. The correct answer needs to explain why complaints are often not filed by victims.

Some fraudsters use this scheme, but we don't know how many. Further, we can’t assume that fraud is less likely to be reported when it’s discovered a year or two late. This still doesn't help resolve the conflict.

There’s no indication that jurisdictional issues have any bearing on whether or not victims are likely to report the fraud. The correct answer must explain why many victims don’t file complaints.

This explains why many fraud victims don’t file complaints. If most fraud victims are too embarrassed to file a complaint, then it makes sense why few complaints are filed despite fraud being a serious problem.