Originally Posted by LoFi_By_Choice
I have described exactly what happened to me all the time I needed a an insurance and/or a bank.
I repeat ALL THE TIME. Otherwise I wouldn't generalize. And I'm sort of young, if I look at my parents or friends of my parents, experiences... then I see no difference between mafia and such other categories that are protected by the law.
Banks here can ask you even 70% more of the loan you requested and a propriety of the double they can expropriate if you can't pay, mafia asks much less.
When you have to pay they almost propose you to walk your dog for you, when they have to pay they are well organized, well prepared, to tell you bullshit, you don't buy them? They have all kind off bullshit depending on your social level, status, knowledge and so on... so they change the bullshit until you buy them or you give up.
Last time I had to get the money, after all the bullshit, they told me... well you can go to the layer... but, because of one of those policies, my only option was to use the lawyer agreed upon the insurance... who told me, yeah... you are totally right, but it is almost impossible you'll win the trial... they have big money and are not scared to use all the needed to win.
No insurance company loses one trial in my country, unless the other part is bigger or has more money, then them... which restrict the case quite a lot.
All the clauses, the parts written so small that are barely readable for me (while for older people appear just like a layout line) are there to make insurances sure they will win any kind of trial.
You call me irresponsible? I'm describing situations. The experiences I got and the ones of people close to me, have created in me the opinion they are criminal and the most coward ones.
Oh... you call me irresponsible because I can dissuade people in buying insurance? If I had that power I would do much more important things to change the world instead ranting in a forum, who do you think would care about what I'm writing here? I'm no one.
Oh, another thing... in my country you cannot decide to not pay insurance.
So there's not even a market. From what I know a market is something where you can decide deliberate to do a choice or another. Here, the only choice you have is: do you want, need for job, to drive a car? Fine you have 1.600 euros of insurance to pay, no matter what, and that's the minimum option, then if you are willing to give use more, we are not offended to accept it. You want a scooter? A bike? Fine, you have to pay... and now they are extending the same thing to houses.
If you consider the medium salary in my country is around 15.000 euros you'll understand why people are willing to pay only the minimum.
Because they cannot afford more.