Paying for a service like this, only after you discover you need it, thats got to be the dumbest way to think a service like this would be sustainable. Thanks for $75 payment, now give us a few hours to use that to purchase our firefighting equipment!
I think Flixy appropriately related this to mandating healthcare coverage.
Faith is Hope (see Loki's sig for details)
If hindsight is 20-20, why is it so often ignored?