The last point is fairly well-established and almost certainly not linked to organised crime: most immigrants work at businesses owned by other immigrants who m

The last point is fairly well-established and almost certainly not linked to organised crime: most immigrants work at businesses owned by other immigrants who might not formally employ people. This is why most immigrant communities end up having to create their own banks - https://en.wikipedia.org/wiki/Category:Chinese_American_banks https://en.wikipedia.org/wiki/Category:Chinese_American_bank... - because they fail most credit tests but are usually pretty good credits.