When did I defend such things as pandemic insurance? I literally stated that they are not possible to fulfill.
Perhaps I read your text wrong, then; I understood that you meant that because they are impossible, nobody should be stupid enough to fall for them.
It is that stance that is the root of this evil, this scam scheme. If that is not your stance, then obviously I mischaracterized you, and sincirely apologise for that.
"The road to hell is paved with good intentions." expresses pretty well my point. Not actively helping stop scammers is the reason why scammers can scam. It is not the scammers themselves that are evil; they are just opportunists – so perhaps immoral, obviously untrustworthy, and so on – but no evil. Evil is to see the damage, and to choose to do nothing, to choose to accept it by doing nothing.
(The reason I am sometimes so offensive, is because so much of the evil in the world I have encountered, exists only because statists are unwilling to help stop it. Because of that, I want to, uh, poke?, those statists, to make them acknowledge the effect of that stance.
That stance, the enablers, are the real evil in this world, in my opinion.)
Regular insurances, like car, house, etc insurance make sense. It does not make sense to buy house insurance for the risk of you spilling red wine on carpets. Insurers sell these to foolish people, but that is capitalism, and they will pay out for the small number of claims that are made, so if people want to waste their money on that kind of shit, let them.
As long as the plain reading of the contract matches what (statistically, across all clients making that contract with the company) happens in real life, I have no objections. It's not even capitalism, it is plain healthy competition on a level marketplace.
But that's not what we are talking about here.
We are talking about insurance companies banking on fighting the claims in court, because there is no small claims court or class action suits. It is no longer a matter of balancing the pool against claims; it is when the companies deliberately bank on fighting every substantial claim, regardless of what the plain reading of the contract says. And also when a company sells insurance it cannot and will not cover in any situation.
As I stated insurance is only for risks that are hard to defend against, that can be pooled in risk. Pandemics don't count. And you WILL see exclusions from things like pandemics in insurance policies, just like you will often see riot or civil commotion excluded. READ THE DAMN CONTRACT!!!
You didn't watch the video, did you?
You wouldn't criticise someone for buying a VW Polo, when they had 7 kids. They bought the wrong product for the wrong job.
Right, I would not. But say you went to a car rental, told them you have seven kids and a wife in tow, and you need a car that can carry all of you. The agency shows you the paperwork that it is indeed registered to legally carry nine people plus luggage, and you sign the contract. If they then roll a VW Polo to the door, it is a scam.
That's what we are talking about here.