This is exactly how he committed fraud. His level of involvement is likely the same in all instances. He’s not agile.
He’s just a sociopath.
It’s pointless to rank him on a scale of intelligence or stupidity as the problem is that he’s a fucking sociopath.
I associate intelligence with careful planning. Some people associate it with hurting the right people.
Whatever the nature of his intelligence it’s what he applies it towards over the trajectory of his life that makes it so repulsive.