Like Trump's other cases, Trump's legal troubled were multiplied by his stupidity, arrogance and being a fuqking cheapskate. If Trump just paid her out of pocket he would likely be in the clear.
Instead he had Michael Cohen take out a home equity loan from across the street after cooking up the plan. The he paid Stormy's lawyer through his shell company to pay her. At this same time they hired the IT firm redfinch solutions to rig online polls in Trump's favor. Then they stiffed this company. Trump needed to “gross up” Cohen’s payment to account for taxes and give him a bonus: totaling $420,000, paid out in $35,000 monthly installments for nearly a year. This sparked dozens of criminal charges because it operated on reams of allegedly falsified business records describing them as compensation for “legal services” each one, prosecutors say, a crime that misled the voting public and tax authorities.
This is very much like Trumps civil fraud cases. His charity fraud cases. Everything Trump does is fraudulent. It is always a con. For decades, Trump has been falsfifying business records and lying.
Trump did this to himself. Biden didn't do it to him.