News flash to those not only dumber than liberals, and till those but dumber than cattle ... that is whre we find there conservative wacks of snapit et al
The basis of insurance programs is some in the end, meet the criteria for payment, and some don't.
Obviously, I have car insurance, but I don't get in a wreck ... its tough to say I want my money with interest. Liberals understand this ... that if they bought an insurance policy but didn't suffer loss, they get no payment.
I know this is hard for you whacks, I mean I'm dumb, cattle are even dumber, and you are still dumber than that so I am not surprised how these thing's confuse you.
I don't know how to help you. Your kids, well could could suggest some amendments to your notions of procreating fitness ....