That is correct, but it's balanced out against how many folks are crazy enough to do something about it. When you get into doing HI's at some volume that will support a lifestyle, and one maintains that volume for 20 or more years, one runs into a few crazy people. There's the poor guy with the dog thing in Boston, I had the thing with the screwed up breaker/meter socket, I know a few folks that have had similar issues with stupid crap that wasn't "their fault" by any reasonable standard but as the process played out, the crap was laid at their feet. Since reasonable standards are rarely a component of the legal process, it can get silly. Thankfully, most folks aren't nuts. Only a few.