[Notorious G.O.B.]

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Insurance is a sucker's bet? How old are you?

Anyway, the guy's got a kid. Even if he and his wife are pretty healthy, kids have a lot of medical expenses...

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Are you saying that insurance is not a worse than even money bet? I assume you're saying it's worth the negative E.V. to avoid potentially huge debt, and I understand your point. Is it necessary to insult me, however? I doubt it's as cut and dry as you're implying.