[gruez]

>I’m looking for your moral reasoning here as to why this shouldn’t be made illegal.

If you read the thread more carefully, you'll see I never made such a claim. The only claim I made is that it's not fraud. I thought this was pretty clear with my earlier comment:

> "fraud" doesn't mean "losing money in a manner I don't like", so I ask again: where's the deception here?

[ok_dad]

The deception is that normal people won’t expect you can destroy your own property and claim insurance without being put in the clink.