For whatever reason some people don’t pay for insurance. They don’t have home insurance and when the house burns down or a hurricane destroys it they hold their hand out. They don’t have auto insurance and when they get in an accident they hold their hand out. They don’t have long-term care insurance and when they need it they hold their hand out. I realize insurance is expensive and not everyone wants to make those payments but if you don’t pay for the insurance you need then accept the consequences for the path you chose instead of trying to scheme a way around it.
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