When I was a kid my dads house caught on fire. The fire was caused by old wiring so the insurance claim was denied.

They weren’t worried about verifying the condition of the wiring when they were collecting my dad’s insurance payments. And they didn’t return the money he paid into it after denying the claim. So we ended up homeless even after my father had spent all that money on insurance to prevent it.

If he had all those insurance payments in a bank account we could’ve at least afforded a hotel or apartment while we figured out what to do.