The long explanation is correct as far as it goes.
But it does not go far enough. By what manner did Mueller, who was not investigating Cohen (supposedly) come across any items that suggested he had committed bank fraud in a matter that Mueller was also supposedly not investigating. Were those details hand delivered to Mueller’s team, by whom?
The long explanation in the article is essentially correct but the end of that explanation is the beginning of that story - Mueller had zip, zilch, nada on “Russian collusion” against Trump, so now he’s going after Cohen, so that via the prosecution of Cohen over “fraud” they, including Muller, can squeeze him to reveal any extraneous scrap of anything (totally unrelated to Mueller’s charge regarding the election) that, through the gray areas of federal law, they can interpret as a crime to hang on Trump.
The DOJ has moved far from “justice” and become an element of official persecution when it pleases DOJ officials, or, as in Obama-Holder’s case, when instructed to do so. If Trump was behaving toward the law as Obama and Holder did, he would have fired Sessions, Rosenstein and Muller long ago.
Anyone who has been following the writings of Judge Andrew Napolitano knows that the man is a very clever anti-Trump. In the way that di Genova gives comfort to Trump, Napolitano gives comfort to his enemies.