Quad Dog said:
Jabin said:
Do you get a weird vibe when people buy insurance, too? Are they premeditating burning down their house?
I'd be curious what they think is going to happen and get weird vibes if they had multiple policies to the point of excess. On top of multiple fire prevention strategies in home too.
What is "excess" and who determines that? And why are multiple fire prevention strategies wrong?
I knew a guy with a cabin in the mountains. As you know, fire is an increasing threat to mountain properties. He installed multiple fire prevention strategies, including putting in both a cistern and a pond as water sources, a sprinkler system with a battery operated pump, etc. Most people think he was being really smart, and were envious that they didn't have the resources to do what he did rather than considering him weird.
Isn't "excess" determined solely by one's personal assessment of the risk and the appropriate preparation for that risk? NASA put triple systems into its rockets, justifying it on the basis that the astronaut's lives were at stake. If you think that you and your family's lives may be at stake, why is it "weird" to have multiple safeguards?
Also, some people are just "belt and suspenders" types of folks. They assume that, if something is mission critical, the first line of defense will fail. There's an adage that "one is none and two is one."
People can be different without being "weird".