I'm not exactly sure what they're saying either. My thought with the "theoretically" part was that the insurance funding program wouldn't be able to support wid

I'm not exactly sure what they're saying either. My thought with the "theoretically" part was that the insurance funding program wouldn't be able to support widespread failures. Without adjusting funding, average lifetime claims wouldn't be able to sustain 1 failure per person let alone multiple. Sure, the rules don't stop you, but the reality does.