"You have life insurance, don't you?"

Don't forget that, most insurance coverage doesn't clear the cost of removing the rubble, let alone re-building; and (like most insurance companies) if you want full payout, you'll need to drag them into court anyway, so add at least one hundred thousand dollars to the cost in attorney fees when you do get a payout.

Another question to ask is why a leftist is telling me that I should be a wage-slave with a corporate patron that will protect me from theoretical injury. Why exactly is a Leftist telling me that violence against me, my family, my career, my future, and my wealth is acceptable if I have a corporate patron to sponsor my existence.

What if, oh grand anti-corporate Leftist, if I don't feel like I need a corporate patron to sponsor my existence. What if I oppose the guild system you are requiring.

"You have life insurance, don't you?"