Don’t you judge me.  I swear there’s more to this than a guy with a clipboard and a digital camera who asks insulting questions about how exactly that tree branch landed just the way it did.

Think about all the ways insurance affects your daily life.  Medical, Auto, Life, Home, Business, Malpractice, Flood.  The cold-calling telemarketer inside me trembles at the prospect of translating all those possibilities into a 30th-century interstellar civilization.  “Don’t you want to protect yourself from the uncertainties of life?  What about the children?”