protecting against the zero-bound is the value - that's not a scam. As the ratio of potential loss to net worth drops, that's less interesting and so is the insurance.
Varying levels of deductible choices hard code this notion even further into the system. If you're farther from zero-bound worries you can essentially buy less insurance with a high deductible.
Varying levels of deductible choices hard code this notion even further into the system. If you're farther from zero-bound worries you can essentially buy less insurance with a high deductible.