The Heir heard on audio yesterday or the day before about how a majority of Florida residents affected by the storm don't have flood insurance. He doesn't think it's about residents wrongly thinking that their homeowner's insurance would cover flood damage. He believes it's a corollary to what he said about people having to put basic needs on their credit card because they spent the money meant for non-discretionaries toward aggressively marketed discretionaries. In both cases, the Heir believes the people were confused by the "power of positive thinking," and that if you've got the "power of positive thinking," that somehow means you don't need flood insurance if you live in Florida, regardless of whether or not a hurricane is on its way. As the Heir finds out more and more about how ordinary people were being lied to by tech- and other marketers, it's obvious now to the Heir that on a culture-wide basis, you reap what you sow. Granted, he wants the people to recover properly no matter what mistakes they made in the past, but once they've recovered, almost certainly they'll make the same mistakes again in the future because the Heir believes the marketers will return. Florida residents will -not- buy flood insurance in the future in meaningful numbers, and people will -continue- to put basic needs on their credit card when the new marketing campaigns heat up again.