People buy insurance to mitigate financial risk all the time. There's nothing offensive about it.
And a private business is fundamentally not a police department or a city government. We don't pay taxes to a private business, for example, and a private business doesn't make laws we have to follow.
And a private business is fundamentally not a police department or a city government. We don't pay taxes to a private business, for example, and a private business doesn't make laws we have to follow.