The other thing about stereotypes is... some stereotypes have a greater impact on some groups of people than others. That's why racial, ethnic or religious cultural organisations are cautious about them, because in the past those stereotypes were behind those groups' persecution. You can create a character who's Christian and a miser, say, but if you create a character who's Jewish and a miser , people can take it the wrong way-- because that's a much more significant stereotype in a Jewish context than a Christian one.