This is the comment I'm responding to: >Consider how much time, energy, and expertise it takes even to research disability insurance and buy the appropriate pr

This is the comment I'm responding to: >Consider how much time, energy, and expertise it takes even to research disability insurance and buy the appropriate product. This is in the context of a discussion about starting your own business. If you're on the tier of hierarchy of needs where you're struggling for food, then sure, maybe you shouldn't be starting your own business at this point. However, if you have the intellectual capacity to buy car insurance, and also are in a position to be starting your own business, you almost certainly have the cognitive ability to purchase disability insurance.