"Trusted persons become trust violators when they conceive of themselves as having  a financial problem that is non-shareable, are aware this problem can be secretly resolved by violation of the position of financial trust, and are able to apply to their own conduct in that situation verbalizations which enable them to adjust  their conceptions on themselves as trusted persons with their conceptions of themselves as users of the entrusted funds or property." - Donald R. Cressey.
