Granted being an Alum of a Greek Organization is a relative statement, being an Advisor brings the real truth as D A said along with AGDee.
Suddenly the Real Truth comes to the Fore.
Reports of Hazing are daily and that is the sad truth.
When We look at costs, as the more Mature Members as Alums, it does put a whole different light on the problem.
Greeks as far as Insurance is concerned are done as a Total. If one does it, ergo, they all do it and it is figured as such.
No Black and White in this situation.