Originally posted by BERNIE MOSFET
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Most people are very dumb. They are broke too. In an ideal world the bank and the city would go after the individual for everything if negligence was involved. The problem is that a lot of people really have no assets to go after. What I am saying is that the purpose of insurance is to pay out in these exact situations (negligence) so that if you allowed them to not do so, you might as well remove insurance from the equation.
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