“irresponsible people” are… Not responsible for what they do. That is the definition. Children, insane people, etc. They are still human, and participate to the economic community, at least because they have needs. So, it is a benefit for the community th have them create money.
“fraudsters” obvously want to create more money. What for ? For using it. So yes, they want to participate. I like when someone has money to give to me . But I don’t want them to create more money than I do. So I have to find a system where they can’t produce more.
And some “fraudsters” might want to make the money worthless. they have to make a big fraud. Thanks to the actual WoT, a big fraud is not possible. The more people are in the WoT, the less possible is a big fraud is.
Finally, we get to what is a “gvaleur” (gvalue) : you can’t know if what a human do is, or will be, useful, or not. Be it a fraud, madness, or whatever. edit : humans get the UD for equality reasons, not because of what they do, or don’t do.