Are all stereotypes bad?

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I just read a discussion that talked about stereotypes, and all the negative attitudes that people have out there. But a stereotype is merely an oversimplified conventional viewpoint. I do not deny that there are and have been horrible stereotypes. But my question is this: are all stereotypes a bad thing? Here are a couple examples to think about. Stereotypes are not always about people. There is a stereotype that if a make-money-program sounds too good to be true, then it is probably not true, but rather a scam. Can this stereotype really hurt anyone? If someone buys into the stereotype, the worst that can happen is they lose out on making a little money in the future. However, by believing the stereotype, some people have saved themselves from money they have being stolen from them. There are some "positive stereotypes" about people that some people don't like. The view that all Asians are smart for example, is a common view, and some Asians that I know like that stereotype, while others do not, because they say it tends to put undue pressure on them intellectually that others may not have. I for one do not mind the stereotype that artists are weird. I tend to like that view, even though it is quite oversimplified and often wrong. I would rather not look like I am just like everyone else. Are these, and all other stereotypes, bad?