I think in part it's selection bias? Like if you're smart enough to get by honestly, you're probably also smart enough to realize getting by honestly is just a way more comfortable way to live. The only reason you'd probably cross that line is because your principals, whatever they may be, conflict with those laws, or your life circumstances are so bad that you have no choice BUT to turn to crime.
And that cuts the other way too: if you're dumb enough to think you'd NEVER get caught for a burglary, for example, you'd probably be way more down to plan and execute one, failing to consider that most thieves aren't caught when they steal the shit, they're caught when they try and sell it later.