Brooding Cromwell

Biggest "the kids are fucked" moment I've had recently was dealing with home insurance. Bought a starter home, paid my monthly premium every single month for 4 years straight without missing a dime. A severe storm knocked tree branches through the roof. I called to file a claim for $3,500 in repairs. Insurance adjuster walked out, wrote a check for $1,200 after my deductible, then sent a non-renewal notice two weeks later saying I was now "high risk." Got me curious, so I looked into how property insurance models operate today. Turns out insurance companies literally drop customers for using the exact service they paid thousands to hold, while raising rates across the board to protect corporate profit margins. I was naive enough to think insurance was protection against emergencies. In reality, you're just paying a mandatory subscription fee for a service you're penalized for ever using.