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Karma = bullshit.
Consequences = real.
Insurance fraud = illegal and raises everybody elses insurance premiums (notice thousands of doctors giving up on their careers, or maybe the astronomical rates of car insurance today?).
Wanna become rich? Take the higher path, provide a valuable service/product to people who feel it is a good exchange for their money/time, and surround yourself with similar-minded people. That's the business model for lasting wealth.
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