Great posts, Night Stalker. [img]graemlins/thumbsup.gif[/img]
I just hope I get better life insurance before I happen to get hit by a bus, better Renter's Insurance before the people on the 14th floor (directly above) flood me, etc, etc. Oh, wait, all those insurance bastards do is deny, deny, deny.
Truly, though, I agree that it's not society's responsibility to cover everyone's bad luck.