On Fri, 23 Oct 2009 22:40:32 -0700, "Bill McKee"
wrote:


"nom=de=plume" wrote in message
...


It is like someone who chose not to buy collision insurance then wants
it after they totaled their car.

Not really. Not even the same scale....

Spreading the risk is also applicable to the pool of insured. The
larger the pool the smaller the effect of taking a small percentage of
people on as they need attention.