Federalism permits diversity. Local governments may deal directly with local problems. The entire nation is not straitjacketed with a uniform policy to which every state and community must conform. State and local governments may be better suited to deal with specific state and local problems.
When the roommate obtained the cash from the banker, committed a scam or fraud. This is a crime against the estate. The roommate performs a deception by which he makes himself give a patrimonial good by making the banker believe something that is not real.
