Insurance exists to allow thieves to get off with your stuff with no recourse? Ignoring anything that could be unrecoverable ~ and that insurance is overpriced for it.
Gosh I guess that means we should get rid of insurance for things like natural disasters, too, since often your home is unrecoverable in the event of a hurricane, volcano, or some other event with no recourse.
It feels like it’s the other way around, from my end. Natural disasters don’t stop happening, and crime doesn’t stop happening, ergo, having insurance for both is reasonable.
No individual should be expected to use insurance to protect themselves from theft as a solution to it. That’s a crazy take.
That’s literally why insurance exists and is a foundational principle in most modern societies, but uhm, go ahead and keep living in the stone age.
Insurance is to spread out risk over time to prevent ruinous losses. So every time you make a claim, your rates will go up.
Insurance exists to allow thieves to get off with your stuff with no recourse? Ignoring anything that could be unrecoverable ~ and that insurance is overpriced for it.
Gosh I guess that means we should get rid of insurance for things like natural disasters, too, since often your home is unrecoverable in the event of a hurricane, volcano, or some other event with no recourse.
Lmao
At no point did I argue insurance shouldn’t exist. I said they shouldn’t be expected to use it as such
Yet insurance for theft exists because it continues to be a thing that happens. ¯\_(ツ)_/¯
Are you intentionally ignoring what I’m trying to say?
It feels like it’s the other way around, from my end. Natural disasters don’t stop happening, and crime doesn’t stop happening, ergo, having insurance for both is reasonable.
I never said it wasn’t. So you misunderstood. Having insurance is reasonable.