[listenallyall]

If you intend to insure a pillow for $1 million, expect the premium to cost about $999,950.

[dataflow]

I wrote as much in https://news.ycombinator.com/item?id=41755211

[listenallyall]

Then why did you object to zabzonk's comment?

[dataflow]

Because I don't see what the perverse incentive is?

[zabzonk]

burning your house down?

[dataflow]

Have you seen the other threads?