Its what I think. Seems the last few years a huge increase in those small malls where a life savings is going down to sluggish business...then- miraculous! a fire!.
When the ethnic mart was filled with bails of hay one Friday?..a tippoff! ha!
Insurance is a great American capitalist invention.
EVERY culture has the low life's..so,naturally this isn't all of them.. Or some call for restricting,etc,etc,..just my real world observation.