Honestly, this "insurance will cover it" rationalision is something I saw directed at the looting that happened in the protests /riots last(?) year. It feels to

Honestly, this "insurance will cover it" rationalision is something I saw directed at the looting that happened in the protests /riots last(?) year. It feels to be that a suitable chunk of people don't understand how insurance works, instead treating it like a magic money bin that pays out when bad things happen.