Let me tell you how insurance works...when you look at it, it looks good, So you give the people money all the time and the future looks bright.

One day you get badly sick and then suddenly insurance becomes the monster under your bed and refuses to fully cover you even though you have done everything right, they stick you.

All these people want is money and when it comes time to pay up, it's tough luck for you. Welcome to the real world, The world where everything has a pretty plastic wrapper, but a rotten piece of candy inside.