You have simply rephrased the actuarial rule "don't insure item for more than it...

		js8 on Oct 6, 2024 \| parent \| context \| favorite \| on: So thieves broke into your storage unit again You have simply rephrased the actuarial rule "don't insure item for more than its actual value". The "premium" you describe just inflated the value of the item.

I don't see how this answers my question.