So we are all criminals these days? The middle class no longer regard frauds such as padding insurance claims as wrong. I must say, the temptation to pad insurance claims would not be so great absent the perception that insurers are highly adept at screwing policyholders on their legitimate claims. So an insurance claim becomes almost like haggling. The temptation is to put in for 20% more than one feels one is entitled to, because the insurance company will often find reasons to beat the claim down by 30%.