[VorpalWay]

> Much better than modern insurance!

Sort of, unless you lost it to a fire or flooding, which the thieves guild presumably wouldn't cover.

Also, is this really true or an urban myth? I'm not finding sources googling this, at most I can find mentions that there were during some norr unstable periods maffia-like structures with large unofficial power.

[nivertech]

To protect their homes from floods and fires, the ancient Egyptians made sacrifices and offerings to deities like Hapi (god of the Nile)[1] and Bastet[2]

But this naive actuarial model with a 100% deductible is obviously far less sophisticated than modern insurance ;)

—-

1. https://en.wikipedia.org/wiki/Hapi_(Nile_god)

2. https://en.wikipedia.org/wiki/Bastet