Chen Xinghai could only helplessly accept reality in the end.
In his view, perhaps he had simply been unlucky this time. The accident he encountered was not covered by Immortal Alliance insurance.
However, Lu Yang, who had fought through countless battles in the Sacred Sect, saw through the Immortal Alliance's little trick at a glance. There was nothing particularly surprising about it.
"The Immortal Alliance's natural disaster insurance only covers disasters at sea, not Ghost Cloud. Yet the ship has Talismans protecting it, so ordinary natural disasters cannot harm it at all."
This created a paradox.
You encountered Ghost Cloud? Why would a seafarer enter Ghost Cloud? Ghost Cloud came to you on its own? Where is the evidence? None? Then you are committing insurance fraud.
You encountered a natural disaster at sea? Then why could it break through the protection of the ship's Talismans? That was clearly unreasonable. You were still suspected of insurance fraud.
Don't ask. If you asked, the answer was denial of compensation.
Of course, the Immortal Alliance would not make it quite so blatant. Lu Yang guessed that every year, the Immortal Alliance deliberately compensated a batch of people, then publicized it far and wide.
Lu Yang was all too familiar with this style. People like Chen Xinghai—millions of seafarers—were straw planted by the Immortal Alliance, harvested once every so often. In fact, the moment Lu Yang understood this mechanism, his eyes shifted, and he had already thought of a way to carry it forward and make it flourish.
At present, the natural disaster insurance offered by the Immortal Alliance was very expensive.
Only boatmen like Chen Xinghai, who owned a large vessel, could afford it. The sailors aboard did not need insurance at all, which was clearly a waste of talent.
In Lu Yang's