The stupid thing is that we know this. It’s all game theory - if there’s a way to monkey with the system to maximize your desired result, you are going to do it even if it has negative results down the road for you or someone else.
Even video game designers will talk about spending time thinking over how to keep players from finding ways to short circuit the progression system. If the game involves making money, they try very hard to make it impossible to figure out the metrics the game uses to determine how much money a given action returns, because if the players ever figure that out, they quickly end up getting insanely rich in the game. And that makes the game too easy, and therefore boring and they move on to something else, and don’t buy the expansion packs.
And even though people who play video games know that if they make the game too easy the game won’t be fun anymore, 9 times out of 10 they’ll make the game too easy anyway if they figure out how. And that’s all play-pretend. Introduce real money into the equation and the odds are even greater that if someone figures out how to maximize their personal gain, they’re gonna go for it no matter what it does in the future.