I agree with that statement from you. But otherwise as usual the only thing going on for you is generalized speculaion on how others are getting things you think unfair, things you don't get, without knowing the reality and complexity of the situations. Like your food stamp Obama tirade, it's all the same idea.
I just bot a new lincoln, 55k sticker on window, I called my insurance agent and told him to drop the old auto and insure the new with only libility ins which covers the other guy and NO collision ins. HE COULD'NT believe someone would not caRy COLLISION on such a vechile and I explained to the moe ron I have never carried Collision for atleast the last 30 years and I saved enough on ins cost to run a new one under the lincoln should i tear it up.
It don't make sense for someone with MONEY to carry collision if they can pay near 55k for a car and never even miss the money, but Libility ins is mandatory and a good idea.
If i wreck it I'll eat it as a loss, only the LITTLE PEOPLE need collision ins.