[fingernailsonhull]

You think most people have it in their heart the desire to defraud a charitable system, or commit crimes for self-gain? I think you're way off mark... do you include yourself in this segment?

Yes, I absolutely do. Most anyone you talk to you that knows me personally would tell you that I am a stand-up guy. I am caring, compassionate, thoughtful, and loving. I think most of us are like this. However, that does not mean that I am naturally inclined to do right. I think when humans do "good" things, for the most part it is only because situations force them to. We need to appear to be civil in order to keep our jobs and friends, etc. We are daily filled with sinful urges that we suppress. It is good that we suppress them - but they are still there! Restraint is a good thing. But, for the most, the "good" people in society are only those who practice a little more restraint because their social situation forces them to.