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It’s a bold strategy, Cotton. Let’s see if it pays off for them.
For many it will. The unlucky few will be bankrupt and homeless.
I can absolutely see why people go without it. Hell, my brother’s friend had their family home lost in a fire. They had a ton of old ttrpg type books and games. Insurance was apparently doing whatever they could to pay as little as possible or nothing. Home insurance has become a scam because most companies will charge you an arm and a leg and then when you finally need to use it they’ll automatically deny all claims and then act like they’re the victims.