A woman loses her home in a fire. She asks her insurance company to rebuild the exact same house — no upgrades, no additions, nothing extra. They refuse. Her policy only covers what the house used to cost, not what it costs now. After years of paying premiums, she finds out the “coverage” disappears the moment she actually needs it.

Insurance is a scam. They pretend to be setting you up for peace of mind for a simple monthly payment, but in reality every policy is full of loopholes and tricks they can spring on you when it's too late to do anything.