True enough, it's like the thing about life insurance being a bet with the life insurance firm that you'll die before they think you will ... the insurance firm is going to factor anticipated losses (and recovery) into their fee schedule and, well, losses look to be "everything, every time you get hit" and recovery is going to be a bit fat zero at this rate...
It was moot to begin with.
You're still sending their payments skyrocketing. Probably costing them more in the long term than the goods they lost.
True enough, it's like the thing about life insurance being a bet with the life insurance firm that you'll die before they think you will ... the insurance firm is going to factor anticipated losses (and recovery) into their fee schedule and, well, losses look to be "everything, every time you get hit" and recovery is going to be a bit fat zero at this rate...