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Medical Certification is loosely enforced
There are no FAA medical police: ramp checks are rare, and even if your medical certificate is checked, your medical record is not.
We know that some pilots fly without medicals
We know that some pilots lie to their AME and on the pilot-physical 8500-8 form, mostly through omission.
If you do possess a medical certificate, no one knows whether you've developed a disqualifying condition. (It's medically confidential!)
But... If you have assets, or purchase insurance and falsify, then crash into Aunt Martha's house, you may be stripped bare by Aunt Martha or her surviving family.