Yes, Adam, I wonder if the people who do these things are motivated by greed or desperation or both. Maybe, it's even in a person's makeup.
During the State Mines fires in the Blue Mtns, I went up to a fruiterer who collects rare Commodores.
He's not devoid of money whilst he and his wife own lots of commercial property through the main street of the suburb I live in.
Anyway, he came outside (out of earshot of his wife most probably), and quizzed me on who would grant him an immediate cover on his Holdens.
I said wtf T*** don't you have them covered? He said that they're stored and he didn't think that they could all go up in smoke until the N-W wind started blowing hard.
I said you're the effin reason why we're paying such high premiums - 'fair weather friend'.
What a bum!