[iamaelephant]

That what the higher premiums are for, genius man.

[dang]

We've banned this account for repeatedly breaking the site guidelines. It's not ok to do flamewars on HN. If you don't want to be banned, you're welcome to email [e-mail] and give us reason to believe that you'll follow the rules in the future.

https://news.ycombinator.com/newsguidelines.html

[CamperBob2]

What good is insurance that almost no one can afford?

[mLuby]

Clearly we (taxpayers) can afford it when we bail them out, so businesses must be able to as well.