I don't like having to pay it either. I'm a good pilot, and I can't remember the last time I crashed a plane due to pilot error. But this year I lost one to radio failure. Nothing I could do about it. Fortunately, it hit a swamp, but it just as easily could have hit a car, or a building, or, God forbid, a person.

I don't like having to pay it, but I would never want to be without it.