Why was it clever?
I have chased a (small) business debt from somebody whose story unravelled and who was exposed as a con artist in the courts and press, and many people were hurt by the implosion of the scam.
It was just squalid and sad.
‘trades people’ don’t all have insurance and they can’t all make plans to avoid the consequences of bad debt.
They have pulled on various levers of the public consciousness, just like Hannah Ingram and many others have too - including poor health, romance, bravery, intrepidness, stiff upper lip British spirit of "so we will walk", the healing power of nature etc.
Trust and empathy are key to any human society, so people who exploit this are just bottom feeders.
In this case, the key driver seems to have been a desire to evade responsibility. That is the opposite of gumption.