On Wed, 2 May 2007 09:39:27 -0700, "Steve B"
wrote:

Here's the deal. Take the insurance. You walk up to the counter, and turn
in the keys. You walk away. It makes it all a simple transaction for a few
bucks more. Anyone who is so cheap should have to endure all the bull****
that their cheapness brings down on their head.

Steve

It's not your place to spend other people's money.

There is a constant theme here, including regarding home repair, about
doing things right, as if the people who don't want to do that are
cheap. Maybe they need their money to support their kids, or their
parents, or to give charity, or for when they are out of work, sick or
old, for a nursing home if it gets that bad.

Not everyone expects their children to support them in their old age,
and a lot of people don't like the instructions they are given, that
they should spend down all their money until they are poor enough that
medicaid will pay for their nurses. Some people want to pay their own
bills with their own money, and not sponge off of all the other
taxpayers. It's one thing if they worked hard and didn't waste their
money when they had it, and still can't afford medical expenses, but
it's sponging if they spent more than they needed and then depend on
others later.

When they drive they have liability insurance, because they can do a
lot of damage if they hit a person and it will take all their savings
or more to pay for that. Plus in most places it's the law.

But even if the car is out of use for a month, plenty of these people
have enough money to pay for that. When they don't buy this loss of
use insurance, they act as self-insurers. On average it's a lot
cheaper to be a self-insurer becausae one doesn't have to pay for all
the paperwork and the profits and waste of the insurance company.

Of course it is more convenient to take the insurance, then turn in
the keys and walk away. Some people give up convenience because they
are short of money. You'd probably also look down your nose also at
those who buy homes they can't afford who lose them when interest
rates go up. You have an upper limit and a lower limit for other
people's spending.

I suspect you want people, even those with less money than you, to
live your standard of living, and claim they're cheap when they won't
buy things you'll buy, and profligate when they buy things you can't
afford.

Doh't insult people you don't know by calling them cheap. (Don't
insult people you do know either, for that matter.)