[JimRed]

In order to embezzle a million dollars, you have to have a lot of loose money laying around.

Or, authorized or hacked access to electronic accounts.

[Venturer]

The act of embezzlement only works if you dont get caught or expect to get caught.

I would suppose most any fool could steal a few hundred dollars in loose cash if there were thousads in their purview.
To steal a milion and not expect to get caught there has to be millons of loose dolars.