Who knows, but in real life, the risk is considerably larger since you can die (for real, and permanently, you know...). In BM, your character might get a bad reputation. In worse situations, you get labelled as an untrustworthy player. Big deal, start from scratch if needed. Doesn't work that way in real life, so usually either the reward has to be huge to offset the risk, or there's some really strong incentive (revenge is a good bet), or there's extortion involved.