Commercial insurance—something you might never have bought, but had definitely received sales calls or seen promotions for.
Something you might never have bought, but someone around you had definitely been tempted by for one reason or another.
Something that, ever since its inception, had precisely exploited humanity's psychological weaknesses.
In the end, it all came down to one sentence: no one knew whether tomorrow or an accident would arrive first.
Humans feared dangers that had yet to come and vastly overestimated their consequences. At times like these, insurance salesmen thoughtfully told them that insurance would let them face accidents without fear and live freely. Naturally, quite a few people were tempted.
Human society's assessment of commercial insurance had always been mixed. The main reason was that, in pursuit of profit, insurance packages were often extremely complicated, contracts were full of traps, claims were difficult to process, and fraud involving payouts was rampant.
Then there were the infuriating sales calls, the sales pitches people had heard often enough for their ears to grow calluses, and the awkward situation where some distant relative asked them to support a policy out of family affection. All of it was endlessly irritating.
But it had to be admitted that there was a reason these commercial insurance companies could continue operating. There had never been a shortage of people who worried about the future and accidents while having a little spare money on hand. The same held true on a cosmic scale.
However, selling insurance to Cosmic Demons was different from selling insurance in human society.
Commercial insurance companies in human society could not decide whether tomorrow or an accident came first. They could not decide whether their clients would encounter the natural or man-made disasters listed in their contracts. Thus, they could only profit through