A small comment re "victimless crime." My daughter-in-law had her reapplication for low-income medical benefits denied because she had too much income. This was only because she received a statement from the IRS showing that her Social Security Number was being used by a man in another county. Although it is obvious that this is not her income, she is the one who has to establish her identity, she has to fight to retain her health benefits and she is the one who will have to apply for a new SSN and wait a year, because of the backlog.
Perhaps Mr. Cooper would be so kind to extend his medical benefits to her, and since this is a victimless crime--it shouldn't hurt too much.