I'd push back against the 1-2%. I think the reality is, 1-2% is the group of people who will exploit the system and more importantly, have the means to do so. B

I'd push back against the 1-2%. I think the reality is, 1-2% is the group of people who will exploit the system and more importantly, have the means to do so. But the number of people who would exploit the system is probably quiet a bit higher, but it doesn't matter because they don't have the means to do so.