Why would a villager pay for renters, auto, or life insurance? No roads in the vill, nothing worth stealing in the shack. I can't spend the money if I'm dead, so no point in life insurance. Natives did not create companies who's sole purpose is to take your money and deny your claims. Natives did not make it required to pay money to this middle man. Some of our elders were able to get health treatment though treaties with our government because we kept giving you guys Tuberculosis. We were able to side step the scam. Here you are cheerleading your Ponzi scheme, talking of free rides. A free ride is pointless in a village with no roads.