Because both require definitions of "person" and both are evaded. Each "person" can give X dollars per candidate. As this NY Times article describes, Homemakers Are the Fat Cats. Who Knew? Their Husbands "it turns out that many of them - some of whom live outside the city and may not be terribly invested in the outcome of races here - made their $4,950 contributions, the legal maximum, at the behest of deep-pocketed spouses with business interests in the city."
I've seen prior articles describing donations by minor children, even babies. It shows the problems of lawmaking and implementation; lawmakers have a picture in their mind but reality is more complex.
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