What I'm telling you is that mickey crimm doesn't swim in deep enough waters to have any sense of the ubiquity of the practice. His alleged profile of the substitute signers for the bigger amounts is wronger than wrong.
This is what happens when mickey spouts stuff he knows almost nothing about, whcih is actually quite a bit once you get into bigger figures. He demonstrates his general lack of knowledge. Mickey has what amounts to a sliding scale. The bigger the stakes, the less he tends to know or have experience with.
Some people call that willful ignorance, but not me. He is, after all, Mickey "The Truth" Crimm.