Embezzlement is a classic white-collar crime. The people charged with it usually work in offices and have been entrusted by their employers to handle money. It's not like robbing a convenience store or a bank. In fact, people who misappropriate funds from their employers often intend to repay the money.
The real estate market has been in a confusing state of transition for nearly five years. Before the housing bubble burst a few years ago, few people could have predicted that financing rules and requirements would change so markedly.