The thing Schumacher - and Todt - do well is test the rules to breaking point - and beyond. BAR tried it once, but failed miserably. Problem is that they suck out all sense of sportsmanship from F1, and turn it into a competition to see who can cheat the most while still being technically legal.
Psychologists would tell you that most top-line drivers have a peculiar brain disorder which renders them incapable of feeling guilt, which is what makes them winners - they'll do whatever it takes to get the job done - something they have in common with the worst of the worst psychopaths. Clarkson's questioning of Schumacher about the Hill and Villeneuve incidents showed that he really doesn't feel he did anything wrong in either case. He has apologised for at least the Villeneuve one (I don't know if he has for the Hill one) but there's absolutely no doubt that it wasn't sincere - he was apologising for being caught.
He's probably one of the most focussed out there, and has a team behind him with the same mindset - win at all costs, thou shalt not get caught. I'd be willing to bet thay have a whole team on the payroll just for combing the FIA rulebook for loopholes and testing them out. The Monaco qualifying incident was just the latest test. But it's always the same - make some rules and someone will try to find a way around them, or straight through the unwritten ones.
Does this make Schumacher a bad person? Maybe. Would F1 be better off without him? Well, it'd be more interesting, but without people willing to test and bend the rules it might be less of a spectacle.