What do you mean by "Insurance is only an issue for morons."?
Not everyone who rents a vehicle is doing it while traveling. A lot of people living in cities only need a vehicle once or twice a year, for example. They don't own a car otherwise, and thus don't have insurance that may cover rental cars. And not all of them have a credit card that includes insurance, or if they do, it may not offer sufficient coverage.
Not everyone who rents a vehicle is doing it while traveling. A lot of people living in cities only need a vehicle once or twice a year, for example. They don't own a car otherwise, and thus don't have insurance that may cover rental cars. And not all of them have a credit card that includes insurance, or if they do, it may not offer sufficient coverage.