Okay. I have a few hatchets and axes. I chop wood for kindling for my coal stove. Should I pay liability insurance because sometimes a crazy person kills or injures another person with a hatchet or an ax ? I have a number of kitchen knives. Should I pay liability insurance because people sometimes accidentally cut themselves with kitchen knives while they are preparing food ? I don't smoke but I always have 2 lighters on me for lighting my grills and my coal stove. Should i pay liability insurance on my lighters because some people burn themselves with lighters ? I have candles in my house. Should I pay liability insurance on my candles because sometimes candles start fires and burn down houses ? I used to jog a lot. Not so much anymore. I sometimes received injuries from running. Other runners have injuries from running. Should I pay liability insurance on my running shes ?

I vote. From time to time the people I vote for let me down. They even go to jail sometimes. Other voters experience that too. Should all voters pay liability insurance in case the person they put into office does something wrong or lies to them about what they will do once they get into office ? Sometimes a skier will cause an avalanche and kill or injure other skiers. Should all skiers carry avalanche liability insurance ?

The victims in these cases had no fault at all. I remember hunting on public land maybe 30 years ago. Back then in doe season guys would shoot at anything brown, so you had to be extra careful. I saw two brown shapes running around and put the scope on them. I hesitated because though in the thick woods the shapes while definitely not human were not quite right. They just did not move like deer. Then I saw that they were big brown dogs. Then out comes the owner in a red suit looking like Santa Claus. I thought to myself, " buddy you are the luckiest biggest moron in the woods today. "