Our judgment of societal ills and the concept of "evil" rests too much on the question of "is this a bad person?" today. Most people who do heinous things are not bad people, but the fact that they did bad things really ought to be enough to mete out punishment.

Lack of foresight isn't a virtue, it's as much of a vice as knowing the consequences and ignoring them. If you lack foresight and that causes you to commit fraud, you committed fraud, plain and simple. That is evil.