Banned because car insurance is handy for when some rando slams into the back of your car with his van, because he was too busy talking on his phone to see that you'd already stopped ahead of him to give way to oncoming traffic.
Friggin randos.
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It is easy to go down into Hell;
Night and day, the gates of dark Death stand wide;
But to climb back again, to retrace one's steps to the upper air –
There's the rub, the task.
– Virgil, The Aeneid (Book VI)