[dangus]

> And if you can't afford to lose the toy you couldn't afford to buy it in the first place. Thus toys should never be insured.

You’re getting this wrong.

Being unable to afford to lose a toy doesn’t mean you weren’t able to afford it, it means you weren’t able to afford buying it twice.

It works the same way with home insurance. I can afford the house. I can’t afford two houses if my current house burns down and I need to buy another one.