a) people insure cars because the law requires them to (in the UK at least)
b) people insure their houses because the mortgage lenders make it a condition of the loan
c) 20 year olds don't buy health insureance because they KNOW that illness is a character flaw suffered by old people who just didn't try hard enough
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Overhead, the Albatross hangs motionless upon the air,
And deep beneath the rolling waves,
In labyrinths of Coral Caves,
The Echo of a distant time
Comes willowing across the sand;
And everthing is Green and Submarine
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