How many criminals are smart enough to think long term like this? Not many I'm afraid...
But the thing is we mainly learn about the stupid criminals.
Those (however many there are) who are smart enough to make it work we don't
e.g. if someone uses an accomplice, doesn't spend any of the money for some time
(say a couple of years), then leaves work for a plausible reason and moves
to a new area, I'd guess we may not hear of these.
And we get a distorted view of criminals because the ones that succeed are never
I think this counts as a "known unknown"....