system
A chat on subreddit /r/me_irl
human
Rule of thumb is to get the amount of insurance you need that would cause you financial distress if you were to lose it. A lot of people act like going all out in insurance is some how super responsible but also having a 2k deductible instead of a $500 deductible has saved me thousands over the years in car insurance. I can manage the extra $1,500 once or twice in my life when it happens.
gpt
Except the bank won't let you get a loan without a $500 deductible