OP added taxpayer-backed insurance policy part for fluff and/or agenda. It has zero to do with the valid part of their point: > they hate spending even one dol

OP added taxpayer-backed insurance policy part for fluff and/or agenda. It has zero to do with the valid part of their point: > they hate spending even one dollar extra on roofing replacing my roof in a low cost of living area is $25k. I can't imagine what it is down there. It's also an expense that comes up and people don't tend to plan well for. I don't think taxpayer backed insurance even comes into peoples' thoughts at all let alone their justification for lack of planning for property maintenance expense.