*must remember to avoid wall*
Now I'm torn, first I was thinking "yet another thing that gets bypassed by an exploit" but Gnomy does point out the "I want I want I want (continue saying until face is blue)" crowd is crying over rubble, which amounts to decoration, which is what items would be if there was no insurance (according to people who want to keep insurance), yet people want to keep insurance so said items are not decoration and......
ah, well, I guess I don't even know where I'm going with this anymore.