One would expect someone with that kind of job to understand the logical fallacy of "you didn't have to run a 5 million dollar risk: you could just have paid th

One would expect someone with that kind of job to understand the logical fallacy of "you didn't have to run a 5 million dollar risk: you could just have paid the $5000 for an insurance policy", when the insurance company is the one responsible for the 5 million dollar risk. P.S. Please, don't argue whether the analogy is imperfect: the point is that argument is logically fallacious.