Owning an automobile can be more of a hindrance than a help. When the HKI first arrive in America, they are amazed by the vast land and the travel time and distance from one place to another. HKI tend to see America as a country of insurance. Auto, house, medical, dental, mortgage, house title, travel, and even wedding rings need to be insured. They feel forced into buying insurance for protection they may never need.
Health insurance is a special concern.
In Hong Kong, medical coverage is quite affordable. Here the monthly premium skyrockets if no group plan is available. Many HKI start their own little trading businesses in their homes and soon discover the high cost of medical and business insurance. One of the most depressing struggles these HKI face is the continuation of their careers. As noted, many of them are skilled professionals, but their particular expertise may not be relevant in this country.