The problem outlined in the article is that Google is paying to much... So buying it yourself is the entire point of the article. I don't know how it doesn't so

The problem outlined in the article is that Google is paying to much... So buying it yourself is the entire point of the article. I don't know how it doesn't solve the problem. I am guessing the math in the article is wrong and/or the insurance pays for is better than both of the barrel insurance the article suggests you get.