Of course it is. That's the point.
We have been so comfortable for so long that the so-called powers that be don't realise that nt everybody in this world is scrupulously honest and that the many of policies that were admirably put in place before and just after the last war are now hopelessly out of date and so open to being taken advantage of they are a joke.
I haven't read all of this thread, but these cash for crash scammers are scum, wherever they come from. But, it has to be said, that if as a country we allow completely unfettered immigration then we will also attract the good and the bad . And, as our systems are so open to fraud, then we become a magnet for the thieves and cheats as well as the genuinely industrious.
We are being very badly let down by our politicians who are not protecting us, and as a result the make up and the economy of our country is going to be unrecognisable to our children and our grand children before much longer.
And before anybody starts shouting "racism" or similar, no it is not. It is realism.