That's very true. A few years ago when I was getting homeowner's insurance, the agent asked me if I would have Middle Eastern guests because we have a problem here with them getting invited to people's homes and faking injuries so they can get free medical care for injuries they had in their own uninsured homes. A friend of mine found out her Muslim neighbors would only let her kids play at other people's homes in case they got hurt because they didn't want to carry insurance but use other people for that.