I think it is just in Rome, do as Romans

If we have the chance of paying less tax and will not be punished easily, it is most likely most people in the forum will avoid paying the automatically deducted tax from salary.
The social structure in the west prevented us (the ordinary employee) from doing ilegal things.
But it is those bankers in the US triggered the big financial turmoil. I do not think you can say they have the integrity.