this post was submitted on 17 Oct 2023
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This is why I would avoid middle man if possible. Another mouth to feed. Might as well save the insurance money instead of paying it.
For some things saving for the risk is not possible for normal people. You probably can't have enough saved in case your house burns down, you maim someone with your car, you need a medvac from abroad etc.
I guess this is one of the reasons why the poor get poorer?