There is zero need for your tone towards a user asking a simple question. He didn't know, he asked in a nice manner and it was an innocent question. How do you

There is zero need for your tone towards a user asking a simple question. He didn't know, he asked in a nice manner and it was an innocent question. How do you expect someone to learn or be comfortably asking questions on HN if they're told they aren't a "literate adult" for not knowing the specifics of insurance coverage within a high risk business sector.