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Yeah... just saying that's up to you as an individual. If Joe cheats and gets fake grades he will likely struggle massively in Harvard. I've read stories of kids that get into high level schools due to affirmative action programs and can't take it because they didn't get in on merit. Same goes for cheating. But your point is correct. There are benefits to cheating. Its the tradeoffs.
There are a number of layers to it.
The most obvious one is grad schools. Some students want to go to grad school and are willing to cheat to make it there. I wouldn't be surprised if much of our political and bureaucratic class are those types of people.
I agree that most employers don't pay attention to grades, but they might use GPA as a screen.
Then, there are things like student aid or various other awards and scholarships that will look at your grades.
Lastly, graduating too many cheaters will have a negative effect on the reputation of your university.
I have never been asked what grade I got in college. Ever. It can effect student aid and other things of course but what are you basing that statement on?