We mostly agree, cousin: we agree that it is done and we don't like it.
However, I could go a bit further and point out that there could probably be more studies (profiles) done as to what motivates someone to rip off a company: drug and alcohol addiction just gets the attention as the most prominent, and the one most looked at by insurance companies as well. For all we REALLY know, every single perv who likes to be beat with rubber tires by prostitutes could be 100% predisposed to steal money to support that habit.
