I choose to give The Villagers the benefit of the doubt - that they're so naïve as you say as feel more comfortable to have protection against things out of their control. Also in their retirement years, they choose to pay someone to take care of these things because they have worked hard all these years and now wish to sit back and relax.
Providing information for those that aren't familiar with their new environment is great. My problem is when it is done in a condescending manner.
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