I was recently interviewed by NPR’s Planet Money (podcast, transcript) regarding a particular form of credit card fraud. One comment which tragically ended on the cutting room floor: "the optimal amount of fraud is greater than zero."This is counterintuitive and sounds like it is trying a bit too hard to be clever. You should believe it.Crime rates are a policy choiceIf you enjoy simulation games, you might be familiar with the mechanic where you click a button and some statistic in your civiliz...