As a digression: this also makes Utah the nation's major state for "affinity fraud", where the trust within a community is used to promote Ponzi schemes and get-rich-quick frauds.

And 'affinity fraud' does run rampant in Utah, according to FBI reports.

Agencies such as the U.S. Securities and Exchange Commission have investigated and taken action against affinity frauds targeting a wide spectrum of groups.

"Armenian-American community loses $19 Million": The SEC's complaint alleges that this affinity fraud targeted Armenian-Americans with little investment experience, for some of whom English was a second language.

That type of swindle has become so prevalent, in fact, that the regulators have given it a name - affinity fraud.

The North American Securities Administrators Association, an organization of state officials, calls affinity fraud the second most common investment fraud in the country.

The authorities label these schemes "affinity frauds," because they take in people who have a common interest.

Salim Damji is a convicted fraudster who stole millions of dollars in an affinity fraud.

State securities regulators are also troubled by the rise of religious affinity fraud.

A scheme that targets members of a particular religious or ethnic community is a type of affinity fraud, and a Newsweek article identified Madoff's scheme as "an affinity Ponzi."