There's a lot of just plain simple fraud too. I've seen embassies issue visas only with bribes, or employees simply collect salaries without doing their jobs. As in you're hired to review documents by some legally mandated criteria, and they simply toss them into piles without even glancing at them and go home early.

That benefits no one, except for the employee.

I'm certain that happens, but that can't possibly be the trillion dollars they think they are going to save.

Sure, but about what amount are we talking?

Millions vs billions.