>And now you're adding the largely fictional risk of losing your home into the mix. Yes, it is possible to lose your home in bankruptcy but only if the equity i

>And now you're adding the largely fictional risk of losing your home into the mix. Yes, it is possible to lose your home in bankruptcy but only if the equity in your home exceeds your state's homestead exemption (often, but not always, $50,000) by an amount large enough to make it worth selling. So what about this is fiction? As the proud owner of a 1-million-dollar spinal cord injury treated within the US, I don't understand where the fiction starts. Also, I was insured. (also, is 'largely fiction' synonymous with 'rarely'?) "The risk of a head-on-collision during city driving is largely fictional." doesn't sound quite right.