Uh huh. So I suppose you don't have liability insurance on your car or
homeowners insurance in case someone is injured on your property, right?
Why do you have liability insurance? It is not to protect the other
person! It is to protect your assets. Probably 40% of the drivers in San
Jose, CA either have minimum insurance (30 k) or no insurance. Other than
they are required to have it to drive, they do not need it. They have no
assets to go after.
I imagine that's the case with Harry as well. How much can a few guns
and half interest in a canoe be worth?