They aren't that smart, some little old ladies in my town made a couple of million dollars by buying multiple life insurance policies on bums, then running them

They aren't that smart, some little old ladies in my town made a couple of million dollars by buying multiple life insurance policies on bums, then running them over. They apparently got caught by cops for the hit-and-run, because nobody at the insurance companies even noticed what should have been an improbably suspicious pattern of policies and payouts.