Per your example, people are always trying to work the system to their advantage. If they can commit insurance fraud for a big payout and get away with it, many will.

Years ago, people filed many lawsuits against McDonalds for making their coffee hot. When these people spilled it on themselves and got burned, they didn't take responsibility for their action, they saw the opportunity to get money from a major international corporation and took advantage of it.

Not everything is a comm.