The bottom line is that the system is broken and people are pushing against it looking for every single loophole. If you address the heart of the problem with public financing, you wouldn't have this constant end-run around the rules.
The ultimate solution is public financing of campaigns. All this is based on the constant quest for campaign cash that members of Congress are always on. If you get rid of that, members of Congress will be much less susceptible.
This happens everywhere. There are tens of thousand of state legislators and state officials. Elected officials like many other people have financial problems at home. The difference is that they are held at a higher standard because they hold the public trust.