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@Adamlett What does being wiped out here mean? And what are you insuring here? When I was a kid, we rode bikes a lot and took the bus a lot. We had a cheap beater car that sort of didn't work so if it got totalled, that wasn't much of a loss. We had an apartment that we didn't own and if it got burnt down, we'd declare bankruptcy and have nothing, so same as before.

I mean no offense by this, but I feel like you're not really in the mindset of a poor person here.