[nogabebop23]

You can drop the word "Inexperienced". But hte idea of paying to avoid this risk is misplaced. You're also doing a completely different activity. Under you're logic you should also work from home and order in all your meals. YOLO doesn't mean "... so be extremely careful".

[freeone3000]

I've been doing this for the last few months and, y'know, it is really appealing...