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When the cops come to your door with a search warrant, seize your computers, lap tops, records, checks, etc and then tell you that you'll be hearing from them in six to 12 months after they get around to going through all your shit, you tell me how happy you are being on the up and up.
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You may have a point... However..... as long as after the six months "they" find you have not violated the law, your happy ass might stay out of jail.
My point was not to say that bad things could not happen. My point was.... if those bad things do happen... Make sure you have your bases covered. No headaches when you are honest. Might not be easy, but one would still be able to sleep at night knowing he did nothing wrong.