Are most criminals generally good people who turn situationally bad? Or are there people that are just born bad?

I know it is impossible to make generalizations.

I’m really asking about non-violent crime, like that Manafort and those guys are charged with. And also financial crimes like the LIBOR scams and embezzlement and similar types of things.

Are these criminals bad from the start? Or are they genuinely good people who get in over their heads and can’t work their way out?