First, if the payment wasn't a crime (and I don't believe it was, despite Cohen's plea deal), then nobody was covering up a breach of the law. Bank fraud is a crime in its own right, but that may be entirely on Cohen. Lying to the public isn't a crime, and you can be sure politicians will never make it one. I have seen no evidence that Trump lied to federal investigators. Have you? If so, please share with the class.
1/ On what basis would you -- in contrast with federal prosecutors, a federal judge, Cohen's lawyers and Cohen himself -- conclude that making six-figure payoffs to influence the outcome of a presidential election and lying about them is not a crime? You think Cohen could have won a trial, or what?
2/ Trump hasn't had a chance to lie to federal investigators because his lawyers won't allow him to talk to them. They themselves insist he will perjure himself.