Being able to "manage" doesn't mean it's not a net negative on society.
If everyone was required to insure stuffed animals it would be cheap and perfectly "manageable" because the risk would be so low and the overhead would be spread over society but that overhead would still be pissed away on something non-productive because the net benefit to society of insuring stuffed animals is so small.
If everyone was required to insure stuffed animals it would be cheap and perfectly "manageable" because the risk would be so low and the overhead would be spread over society but that overhead would still be pissed away on something non-productive because the net benefit to society of insuring stuffed animals is so small.