From the mouth of Indian guy:
https://www.dailyo.in/variety/scams-nirav-modi-rotomac-fodder-scam-pnb-22537
We Indians are born fraudsters and hustlers. The big guns obviously hunt bigger game. The returns are higher. Every Indian cheats to the best of her ability. You do the best you can. It’s what school taught us.
To learn to cheat in India is to learn how to survive. If you don’t, society will treat you as an imbecile who never grew up. Like the freelance writer.
The working principle is this: If you don’t exploit, then you will automatically become the exploited. What happens then is that since everyone is cheating everybody else, all this cheating cancels each other out in the final sum. No one really gains. But it’s something we are habituated and genetically inclined to do, like the way we drive. It’s a mix of nature and culture.