If USPS priority includes insurance up to a certain $ amount... Let's say I sell something for $25, and the grand total is $41 after the USPS Priority shipping, etc. USPS automatically includes insurance up to $50 or $100 (I forget which), so why does Etsy still have a blank to purchase insurance? And if I add the order's value, it adds $0.80.

I know for something so inexpensive (and the item is so durable), insurance isn't that big of a deal...but I'm just trying to wrap my head around if this is a deceptive practice to trick people into buying redundant insurance of if there's ANY benefit to buying the shipsurance at all, even something seemingly inconsequential.