DC you may be right. On the other hand from my observation of Cat flak-chat, rather than an ulterior motive, it may simply be an interior lack of motivation or possibly even a preference to avoid the facts because learning / understanding the facts might force one to abandon one's scaredy-cat position that everything is a scam. In this example, agreeing that a GIC fully covered by CDIC insurance is safe when there is no doubt whatsoever that that is the case, might simply be too painful.