it is deviantly risk adverse . It is just silly not to have significant orientation towards stocksbonds . IRL bondscorporate bondsstate debt has better yield and there are some lower risk forms of bondsdebt to buy than just bank CDs . <| sep |> Not all insurance companies feel it ' s their obligation to front cost for what is essentially a crutch to keep a person from killing themselves via their completely avoidable choices . <| sep |> Why is this guy 3 ? Question was asked . Question got answered . <| sep |> Ditto . Oblivion and Skyrim inspired me to concoct the most indepth and completely unnecessary personal backstories I ' ve ever done . They guided how I made decisions , what paths to take , even what stuff I kept or dropped . Fortunately my wife loves the Elder Scrolls franchise more than I do , so I ' ve got at least one person who enjoyed hearing my rambling . Usually when I did something she disagreed with and I ' d explain why it fit my character .