No, I Don’t Want to Insure My Pizza

If you’re like me, you've spent a lot of quality time this past month on the couch, endlessly watching football games and losing the remote with every first down. So you ended up seeing a lot of ads with the sound on, and for the first time in a while you remembered just how dumb they are. The winner of my personal stupid prize: Domino’s “pizza carryout insurance,” which offers a free replacement if you somehow manage to destroy your pizza on the way home.

This is just the latest in a long line of products that distort people’s understanding of what insurance should be. Somebody has to put their foot down, and that somebody is me.