Originally Posted by
Sunfish
For those of you wondering about American lawsuits there are a few things you need to understand.
1. America has no social safety nets worth a damn.
2. If a family's sole breadwinner dies, then the kids won't be going to university, they won't have much in the way of healthcare, they will probably have to downsize their house (due to American tax treatment of mortgage interest). Basically, their entire life collapses because in America, you are what you earn.
That's why we have life insurance. Given that we don't have the social nets, and it's not a secret, why wouldn’t a breadwinner have a sufficient life insurance policy in place to province for his family in the event of his death?
What was his plan if he just suddenly died of some medical cause through no fault of anyone else? That's just family responsibility 101, have a life insurance policy that will provide for your family if something bad happens to you.