That's a really good question actually and I'll try and say something about Destiny to keep it relevant. It's like when playing the Oryx fight you have someone who keeps dying on a pillar, and has an excuse every time. At some point you become numb to the excuses because you know they're just bullshitting. Some of the excuses are surely valid, but a number of them aren't.
I have no potential liability. I don't own the insurance company, I'm an agent for it. I get paid for writing and keeping policy holders.
Yeeeeeeeeeeeep.