Especially when the alternative is half a million dollars cash sitting in an account you can't legally access for anything else, or use as collateral for anythi

Especially when the alternative is half a million dollars cash sitting in an account you can't legally access for anything else, or use as collateral for anything else, and you won't realistically have half a million dollars cash ever. I looked into a surety bond specifically for auto insurance thinking I might be able to earn a bit of interest on $100-200k cash, get a small dividend, and "break even" in half a dozen years or so. The reality was pretty grim, basically if you're not already actively searching for things to do with 6 or 7 figure sums, it's not worth the time, and that's ignoring the logistics of having someone available for the claims processing side.