"99% of the fraud by any of these chains is at the district or local level rather than a corporate conspiracy."
Balooney. This kind of thing is talked about all the time. In the news media, on the internet, in the bars and barbershops, etc. Its common knowledge. People often write the corporate headquarters and complain. It simply is not possible that the higher ups don't know what's going on in their own service outlets. They condone it and do nothing about it because the COMPANY as well as the local outlet and local employees, makes a lot of money off of it.