My roommate asked if I would venture with her to the mall and help her pick out a fabulous pair of prescription sunglasses. As a birthday/Christmas present from her mom she had a $500 voucher and there is nothing I can do better than spend other peoples' money. 

When we arrived at Lenscrafter's I was underwhelmed by the selection. It seemed as though we were going to resign ourselves to some Ray Ban aviator sunglasses. Then, when we had given up all hope, I saw something sparkle and shimmer from across the store. Out of my periphery, I noticed the section devoted to designer sunglasses and instantly I gravitated toward a pair of Tiffany sunglasses. As we were checking out - which was an awkward and tiresome experience - my roommate debated about whether she should opt out of the $30.00 flat rate insurance, guaranteeing protection for her Tiffany glasses in the event of dents, scratches, or breaks. As she was weighing the pros and cons, I simply gave my roommate a look and said "they're Tiffany sunglasses .... get the insurance". The issue was moot at that point. 

I then started to think about all of the things that people have insured in their lives; glasses, cars, pets, laptops, cell phones, etc. Yet so many of us go without health insurance. We worry about what might potentially happen to our iPhone, especially after the sales rep goes through the gambit of possibilities, and get talked into paying the extra fees. Yet, if someone told us that we could potentially lose our teeth, suffer a heart ache or contract some form of cancer, we believe that we do not need it - of course nothing bad will ever happen to us, but I know I am going to drop my iPhone into the toilet and need that water damage protection.

It's a little ridiculous. However don't eve get me started on the people that insure different parts of their body ... except for porn stars ... that's acceptable.