First, sorry you went through this. Very depressing especially when you do your best to be trusting.
The way I see it is we're using crime as a conduit to welfare or reduction in income inequality. The idea sounds crazy, right? I mean, insane? Because the end of the road is, as you say, the stability of our whole society.
If a dollar earned from credit card theft is as legit as one earned from working as a security guard it's obvious where everyone will eventually end up.